In recent years, we have all become generally smarter about identifying and avoiding cyber threats. Unfortunately, scammers and hackers have become more creative with their deceptive techniques. The Conservatory® takes cybersecurity issues seriously, and employs multi-tiered practices to protect members from phishing scams and other threats.
How many of us can look back at our childhood and say we wish we learned more about money? Maybe you were even one of those people who graduated college and still had no clue how to manage your money and pay off your debts? Most people gain their money skills and knowledge from their parents and caregivers as they grow and develop. Your children will learn their financial habits from watching you spend, save, borrow, and earn. Although you are the top influencer in their financial life, you don’t have to be a money expert to help them achieve positive and strong financial habits.
I recently issued a message to Conservatory Members about equity markets in a gradually rising interest rate environment. Today I will address bonds, which are commonly considered poor investments when rates are on the rise.
Return. We chase it. We measure it – daily, monthly, quarterly. We compare investments and investment managers based upon it. Newspapers, radio, television and, now, Internet media focus upon it. Like ‘plastics’ in the 1960’s movie The Graduate, it is the ONE WORD upon which everyone clings.