Credit scores influence the terms and conditions of a consumer’s ability to borrow from lending organizations, retail stores and even landlords. A low credit score makes borrowing more expensive, and a high credit score generally makes obtaining loans (credit) easier. When a consumer applies for credit, whether for a credit card, auto loan or mortgage, Read more
Bowen Reports
After the Election: Thoughts from Bowen Asset Management
After Tuesday’s unexpected election results, we thought it appropriate to go out and visit a few of the portfolio managers where we have placed some of our client funds. The unanimous issues going forward seem to be that: 1) Investors are uncertain where Trump stands on numerous financial issues. Though he has made conflicting statements about his objectives, he Read more
Social Security Update
More than 65 million Americans, living in about one in four households, receive Social Security benefits, with about 70% going to retired workers and families and the rest going to disabled workers and survivors of deceased workers. Every month, approximately 10,000 baby boomers retire. Usually one of the first things they think about is social Read more
BAM Economics Update Fourth Quarter 2015
The first few weeks of 2016 has been difficult for most investors. The Markets began 2016 by cratering after a volatile second half of 2015. January first through January 13th has been horrible with market declines of (-7.25%) in the Dow, (-9.61%) in the NASDAQ Composite and (-11.4%) in the Russell 1000. We think the Read more
Annuities – A Brief Overview
An annuity is a contractual relationship between an investor and an insurance company that is designed to meet retirement or other long-range cash flow goals. As insurance products, annuities are defined by a contract between the investor and the issuing insurance company. In this contract, the insurance company usually agrees to make either a lump-sum Read more