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What would you do if you had more free time?

Are you invested for retirement?

How do you get a fair settlement?

Unsure about your rate of return?

What keeps you up at night?

Do you have to give up your pension?

If you had more money what would you do?

When is the best time to sell an investment?

Are your documents in order?

Do losses keep you awake at night?

Worried you’ll outlive your money?

What do you value most in life?

What does retirement mean to you?

Do you know where your money goes?

Making the same investment mistakes over and over?

Having trouble deciding when to buy or sell investments?

Do you have a fear of being audited?

Is your asset mix right for you?

When are you happiest?

Going through a difficult transition in your life?

How much risk should you take?

Why is asset allocation so critical?

Will your family be OK?

Should you keep the house?

Having trouble setting goals?

Do you have a strategy?

Tempted to make investments that aren’t part of your “plan?”

Have your investment goals changed over time?

How would you define “risk?”

Will your estate be devastated by taxes?

Are you missing the big picture?

How can you minimize your taxes?

What have you always wanted to do?

Are you ready for retirement?

Which of your current responsibilities would you like to give up?

Are you prepared for disaster?

Are your emotions affecting your investment decisions?

How much is enough?

Are you fearful of making an expensive mistake on your taxes?

December 15, 2011

Fed Ends 2011 With a Whimper

      by Liz Ann Sonders
The Federal Open Market Committee (FOMC) held its final meeting of 2011 and went out with a bit of a whimper. There were very few changes in its statement relative to November’s, although it did mildly upgrade its assessment of the economy: “The economy has been expanding moderately, notwithstanding some apparent slowing in global growth.” The Fed also gave a nod to recent improvement in jobs: “While indicators point to some improvement in overall labor market conditions, the unemployment rate remains elevated.”

However, the Fed did downgrade its assessment of the investment climate: “Household spending has continued to advance, but business fixed investment appears to be increasing less rapidly and the housing sector remains depressed.” This last comment about housing was a touch perplexing given what it didn’t contain: any nod to the fact that in the past month there have been strong readings for mortgage applications, easier mortgage lending conditions and a surge in homebuilder sentiment.

Key Points

  * There were no surprises out of the Fed meeting today, with short-term interest rates remaining pegged at zero.
  * There was one dissenting FOMC member who wished for additional policy accommodation.
  * Much of the Fed’s near-term focus remains on the eurozone debt crisis.

Link: https://www.schwab.com/public/schwab/resource_center/expert_insight/todays_market/sonders/sonders_121311.html