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Christine Williams

Personal Finance Expert

Posts by Christine Williams:

by Christine Williams Apr 25, 2022

With short supply of houses and mortgage rates on the rise, it’s understandable that potential homebuyers may feel like their dream home is drifting out of reach. The Federal Reserve Bank of New York recently released the results of its annual Survey of Consumer Expectations, and survey respondents confirmed that potential house hunters exhibit the most pessimistic outlook since 2015. Even so, if you’re thinking of buying a new home and want the best deal for your situation, here are a couple considerations you can take into account–no matter how doomed the house search may feel at the moment. The mortgage rate environment is more volatile now than ever. Check out SmartAsset’s mortgage rates table to get a better idea of what the market looks like right now. Read more

by Christine Williams Apr 21, 2022

The prospect of multiple rate hikes has roiled the stock and bond markets, making the first quarter of 2022 one of the worst quarters for fixed income in decades. Retirement savers and retirees alike have had a difficult time looking for low-risk investments that still offer decent returns. Experts believe that inflation will remain high throughout the year, and rising Treasury yields have devastated bond prices. As a result, investment research firm Morningstar says that investors should focus on protecting their portfolios from the pressure of rising rates. And one of the sure-fire solutions for reducing that risk is to capitalize on bank-loan funds. Here’s why. A financial advisor could help you plan for retirement and select low-risk investments that align with your financial goals. Speak to a qualified advisor today. Read more

by Christine Williams Apr 15, 2022

In a brand new cross-promotion initiative, investment firm Vanguard has announced a partnership with American Express to offer an investment product to qualified Amex card members. A 50-50 business split, the new product has American Express bringing the clients and Vanguard offering the financial and portfolio advice. However, investors may not benefit as much as you’d initially think. Read on for more details. Read more

by Christine Williams Apr 14, 2022

Environmental, social and governance (ESG) options are a hot topic these days among investors. Large investment firms like Fidelity, Charles Schwab and J.P. Morgan Chase have all added ESG or… Read more

by Christine Williams Apr 12, 2022

The first quarter of 2022 has been difficult for retirement savers and retirees alike, and according to investment firm Charles Schwab, it was one of the worst quarters for fixed-income in decades.… Read more

by Christine Williams Apr 07, 2022

Households are often divided by consumption and wealth levels so marketers and businesses can better understand their spending habits. Certain segments exhibit specific behaviors that, when… Read more

by Christine Williams Apr 07, 2022

When an unexpected expense comes up, you might consider borrowing from your retirement account. Most qualified retirement plans, such as 401(k) and 403(b) plans, offer employees the option to borrow… Read more

by Christine Williams Apr 07, 2022

Setting aside money regularly is one of the surest ways to save for retirement–especially when you take advantage of tax savings over time. Though some retirement accounts are tax-deferred, one… Read more

by Christine Williams Apr 07, 2022

Building wealth has grown more accessible than ever thanks to declining trading costs. Many brokerage firms already offer zero-commission online and exchange-traded fund (ETF) trading. Financial… Read more

by Christine Williams Apr 06, 2022

Many adults approaching retirement age have little to no retirement savings. In fact, the U.S. Government Accountability Office said that almost 50% of households headed by someone aged 55 and older… Read more

by Christine Williams Apr 06, 2022

If you’ve shopped for a car recently, you’ve probably realized that a combination of tight supply and pent-up demand has squeezed car prices to record highs. Worse yet, car-shopping expert Edmunds… Read more

by Christine Williams Apr 01, 2022

ESG investing, which stands for environmental, social and corporate governance investing, has soared in popularity as individuals across the globe increase their demand for social accountability. Now… Read more

by Christine Williams Mar 30, 2022

Saving for retirement is one of the most pressing concerns for many Americans, and how to safeguard those funds is an equally important consideration. Private employer-sponsored defined contribution… Read more

by Christine Williams Mar 30, 2022

Preparing your affairs in advance can be a wise decision and can ensure that your financial portfolio and estate are handled appropriately in the case you can no longer manage it yourself. Sometimes,… Read more

by Christine Williams Mar 28, 2022

When planning for the future, health care ranks as one of the highest concerns for both savers and retirees alike. Not only are health care costs rising by more than 5% every year, but rampant… Read more

by Christine Williams Mar 24, 2022

Choosing where to invest your hard-earned dollars can prove challenging — especially given the overwhelming amount of information out there for novice investors.. The rise of low-cost trading… Read more

by Christine Williams Mar 21, 2022

You’ve spent a lifetime accumulating funds for a smooth retirement. You’ve thought ahead and assumed a decent yield for your investments, calculating exactly how much you’ll need to retire… Read more

by Christine Williams Mar 17, 2022

Let’s say you’ve taken the first step and have already decided to speak with a financial advisor. You already know that financial planning and wealth management goals are vital to your long-term… Read more

by Christine Williams Mar 17, 2022

Given Bitcoin’s meteoric rise and enduring popularity, many investors might be interested in investing in cryptocurrencies as part of their portfolios. Nowadays, retirement savers can even take… Read more

by Christine Williams Mar 11, 2022

When you’re looking for someone to guide you through the world of personal finance, there is a lot of jargon you have to work through. Financial advisors and fiduciaries are just two of the titles… Read more

by Christine Williams Mar 10, 2022

Annuities have long formed part of the retirement arsenal, and the Teachers Insurance and Annuity Association of America (TIAA) is demonstrating why. TIAA has announced its aim to boost retirement… Read more

by Christine Williams Mar 08, 2022

As the Russia-Ukraine conflict continues to rage and cease-fire talks have come to a temporary impasse, a new senate bill says “nyet” to Russian stocks in your 401(k). This is part of a concerted… Read more

by Christine Williams Mar 01, 2022

The conflict in Ukraine is evolving rapidly. While the focus is understandably on the loss of life and the geopolitical consequences of the conflict, there is also a significant impact on the global… Read more

by Christine Williams Mar 01, 2022

As inflation rages and the stock market logs consistent declines, investors around the world are reconsidering their portfolio strategies. Too much exposure to any one type of asset could wipe… Read more

by Christine Williams Mar 01, 2022

With three out of four full-time employees planning to quit their jobs over the next 12 months, the Great Resignation is far from over. If you too are considering changing jobs, you might be… Read more