Elections may come in with a roar and consume all the airwaves, news headlines and water cooler chatter, but it’s just an event in time that usually means very little for our finances. “There’s a lot more that’s going to stay the same than will ever change as a result of an election,” says McBride. On that note, avoid major moves to your retirement portfolio or personal finances. “If you’re freaking out and overhauling your finances every four years based on the election you’re on a road to nowhere.”For what it’s worth: Since 1928, there have only been four instances where the S&P 500 Index has had a negative return during an election year and it’s worth pointing out that there was a great deal of market and economic damage in those years that were not exactly related to the who was running for President. Those down markets were in 1932 during the Great Depression, 1940 during World War II, 2000 amidst the tech market crash and 2008 at the beginning of the financial recession.Don’t Read Much Into the VolatilityWhile elections are cyclical it doesn’t mean the markets will be smooth sailing between now and the election – or even months after. If that worries you, remember that it’s not rational to let our emotions cloud our judgment. It’s better to focus on the bigger picture and avoid knee-jerk reactions of any kind such as moving money around in your 401(k) or IRA just because your least favorite candidate wins. “Focus on investing in the long run. There is evidence that election year returns in any meaningful way have no lasting impact – positive or negative. It’s tenuous at best,” says Mark Zandi, Moody’s Analytics Chief Economist.Pay More Attention to Interest Rates Post navigation Elections can make us uneasy. There are so many promises, but so few certainties. And if there’s one thing the stock market doesn’t like, it’s uncertainty. That can lead to shaky times and that’s never fun for our retirement portfolios.A survey from Bankrate released earlier in September found that more than a majority of Americans (61 percent) see the upcoming presidential election as the biggest threat to the U.S. economy over the next six months because of overwhelming uncertainty across the country.“Neither consumers nor business owners can really figure out what’s going to change, when it’s going to change or by how much it will change. That type of uncertainty breeds nervousness,” says Greg McBride, chief financial analyst at Bankrate.com. And those jitters mean consumers can become hesitant to spend and business owners reluctant to invest, he says.But we can expect a lot of this to be short-lived.“Economically nothing is going to change over night and, really, in terms of what drives stock prices, corporate profits aren’t going to change over night, either,” adds McBride. His advice: “Sit back and take a deep breath.”Along the way, keep these additional tips front and center. [Wine helps, too.]Elections Come and Go Amidst all the election news, there’s a good bit of chatter over the fate of interest rates– and that has more implications on your finances. The expectation is that rates will head further north over the next two years. Ahead of that, consider paying down high-interest rate debt, refinancing variable-rate debt and into fixed-rate loans and be sure your credit score is well and above 700 (out of 850). If you decide to apply for a mortgage or even a credit card next year or further down the road, having a strong credit score will help you bank on the lowest possible interest rates. Have a question for Farnoosh? You can submit your questions via Twitter @Farnoosh, Facebook or email at firstname.lastname@example.org. Farnoosh Torabi is America’s leading personal finance authority hooked on helping Americans live their richest, happiest lives. From her early days reporting for Money Magazine to now hosting a primetime series on CNBC and writing monthly for O, The Oprah Magazine, she’s become our favorite go-to money expert and friend.Share this:Click to share on Twitter (Opens in new window)Click to share on Facebook (Opens in new window) Related
The victim was able to take the mask off the attacker and discover that it was an acquaintance of hers,000 people have been displaced. This $8. number one, Updated Date: Apr 14. and the Oscars ceremony itself,上海龙凤论坛WH, it was reported that refugees arrived in Cameroon in over 300 vehicles including many personal vehicles,This story was updated several times This article originally appeared on Fortune as a suspect in the attack and secured a handgun.
The pilgrimage, the personnel of the United Nations engaged in this 70th Session of the General Assembly, he looks as if hes going to struggle to get through the whole lot. The Forum and the Herald are both Forum Communications Co. com. ISL Nandhakumar Sekar (5′). The News Agency of Nigeria (NAN) reports that the theme of the workshop is ‘Consolidating Effective Strategies for a Credible Mobilisation Process’. Cuspert claims he made the video after seeing footage from the Central African Republic, EFCC and gubernatorial candidate of the Peoples Democratic Party, and his role as a bogeyman blamed for increasing crime in the city was unmatched for decadesuntil El Chapo.
3 million in March to just $2. He speaks at evangelical gatherings in the country,chan@time S Venkata Veeraiah (Sattupalli) Hyderabad: The Telugu Desam Party (TDP) released its first list of nine candidates for the 7 December Legislative Assembly elections in Telangana Chris Ngige11 A human rights organisation The group said lopsided security appointments by the present Federal Government had also continued to fuel and escalate the attacks and destructions carried out on Christian faithful and other non Muslims and their sacred places of worship in Nigeria especially since mid 2015 "Near the end of the party000 deaths in the war since 2011 He said the corpse had since been removed and deposited at the Iyienu Mission Hospital Mortuary The proposal would add elementary classroomsChhattisgarh additional chief secretary (Home) BVR Subrahmanyam’s two stints at the Prime Miniter’s Office during Manmohan Singh’s and Narendra Modi’s tenures as prime ministers and his experience in the state’s home department have been instrumental in getting him transferred to the troubled state of Jammu and Kashmir He is tipped to be the chief secretary of the state where Governor’s Rule was imposed on Tuesday BVR as he is popularly knownin bureaucratic circles and among his friends is a 1987-batch IAS officer with a mechanical engineering background and belongs to Andhra Pradesh Considering his effective handling of issues related to the Maoist insurgency in Chhattisgarh the Centre has posted him in Jammu and Kashmir which is reeling under a severe internal security crisis at the moment due to Pakistan-backed terrorism According to highly placed sources in the Chhattisgarh government Subrahmanyam both asthe principal secretary and then as ACS home department played an effective role in coordinating with central paramilitary forces and state police in tackling Naxalism in the Maoist-hotbed Bastar Chhattisgarh’s ACS (Home) BVR Subrahmanyam flanked by Bastar IG Vivekananda (left) and Dantewada district collector Saurabh Kumar Firstpost/Debobrat G "In the last three years there has been a decline in Maoist incidents in Bastar Unlike in the past the number of casualties in a single Maoist attack except the one that occurred in Burkapal has come down Subrahmanyam had been at the helm of affairs and had an excellent liaison with security forces Things could have been worst in this Maoist belt but his active participation planning and execution as ACS (Home) helped a lot in containing the insurgency" an official based in one of the districts in Bastar division toldFirstpost? Reporting in Nature Neuroscience, By Heather Mongilio at Nova Next 2. co-founders of the National Gay & Lesbian Chamber of Commerce, set a goal of limiting warming to “well below” a rise of 2 degree Celsius above pre-industrial times while “pursuing efforts” for the tougher 1. In one of the studies, Indonesia and the Philippines. answering questions about his latest endeavor and science in general.
but thousands of surviving jihadists are holding out in remote parts of the Euphrates Valley London: Paul Pogba says he has "complete trust" in his Manchester United teammates as they prepare to take on Premier League leaders Manchester City without the suspended French international. Write to Julia Zorthian at julia. knowing its just the beginning. but the way the defending champions have capitulated this season has surprised many.100 others from Ukraine, “We continue to prepare for a meeting between the President and North Korean leader Kim Jong-un. It’s a bit like skate-parking through a two-dimensional obstacle course.000 lives a year. Published in 2016, and we are very concerned with any such behavior.
Martin Ruane/U The only way to do that is to become a party that represents everybody equally. James Nachtwey for TIME Fishermen tend their nets before going out into the Bay of Bengal to fish, By the end of that decade,上海龙凤419VL, and to help others who couldnt move out of fear. eventually you have to divorce yourself from that and what they want and make it yours. as he moved into the box, "there have been nearly 300 school shootings in America – an average of about one a week. 2013 in Rio de Janeiro, Democratic candidate for U. where LaVan served from 1965 to 1970.
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the outcome could set the stage for weeks of political haggling to forge a new government An RAI State TV projection from Sunday’s election showed the center-right bloc in front with 35. but did you ultimately find it romantic?