Is the Bond Market About to Collapse

Similar to the stock market, investment in the bond market comes with a certain level of risk. Of course, there is corresponding reward. However, it is the underlying uncertainty and fluctuation that leads to near constant chatter about a collapse of the bond market.

As we begin a New Year and new presidency, there are more questions about the status and future of the bond market [1]. The biggest question being, whether the mounting signs of a bond market downturn are actually indicators of a bond market crash in the upcoming year?

Past and Present Premonitions

A severe downturn in the bond market or even a crash of the bond market was the talk of investors in 2011, 2012, and so on through the years. Every year it seems that one analyst or another eyes the bond market with suspicion and warns of investments in debt instruments. As recently as mid-2016, financial experts and investors further warned of a bond market collapse [2]. Yet, none of these premonitions of a crash have come to fruition.

Heading into 2017 the talk around the bond market is of a different sort. The results of the 2016 election reverberated across markets, but nowhere as decisively as the bond market [1]. The bond market seems to have a deep-seeded dislike for the upcoming Trump presidency.

Nearly every day since the election, the price of bonds fell. As the definition of the bond market below will show, decreased prices correlates to a rise in interest rates. This makes investors increasingly nervous and results in a need to sell environment, which further drops bond prices and creates premonitions of a crash [3]. 

Defining the Bond Market

To best understand what causes the bond market to fluctuate and why analysts feel uncertainty in its current status, it is necessary to know what the bond market is. The bond market is the trading, buying, and selling of debt securities such as government bonds, corporate bonds, or mutual stocks or bonds [4]. The purpose of trading bonds is an investment in the income when the debt instruments are repaid. This repayment includes both interest payments on the debt over time, and the full payment of the principle amount at the time of the debt instrument’s maturity.

Therefore, the risk of investing in the bond market is that the price of bonds will decrease as interest rates increase. This limits the rate that particular bond is traded on the market and decreases the return to the investor.

Effects of the Federal Interest Rate

One government decision that experts regularly warn will impact the bond market is an increase in interest rates by the Federal Reserve. The Federal Reserve increased the benchmark interest rate for federal bonds in December 2015 to 0.25% [5]. However, this was the sole increase by the Federal Reserve since June 2006, which was prior to the economic recession in the United States. Between 2006 and the end of 2015 the benchmark interest rate stayed stagnant at 0.00%.

The Federal Reserve is likely to raise the benchmark interest rate again. There is steady economic growth across the United States. This led Janet Yellen, the Federal Reserve Chair, to forecast another interest increase [5]. Where interest rates rise, the price of bonds generally falls. Thus, the Federal Reserve’s decision is certain to have an effect on the bond market in 2017.

However, in 2016 bond market did not tank, nor did the stock market for that matter. This makes it more difficult to predict what a 2017 interest rate increase will bring, but there seems to be less panic than before. Many people are still invested in riskier bonds, including long-term bonds with more exposure to a downward turn in the bond market [6].

Investor Preference for Stocks

For a number of years investors have been favoring bonds over stocks for many investment portfolios. There was a belief that bonds were a less risky investment than stocks [6]. This preference was particularly obvious in 2016, when the United States bond market saw $247.4 billion in investment [7]. On the other hand, stock funds only had a few weeks in 2016 with an increase in cash.

However, when stock funds see an influx of cash, it is usually because the money is pulled from bonds, and as expected the bond funds have lost ground. The incoming president has made promises of government spending on infrastructure, defense, and otherwise, potentially on a massive scale, which will lead to greater government debt and inflation.

Election of Republican President and Majority

The Republican victory in November, including the election of Donald Trump as president and a majority in the Senate and House of Representatives, has started to turn the markets around. There is renewed interest in stocks on the basis of relaxed federal regulations over corporations and lower corporate taxes [7].

The bond market’s reaction is a considerable amount of selling to avoid the anticipated effect on bond yields in 2017, under a Trump presidency [1]. Maybe more than any other market, the Trump election has affected bonds. There was so much movement on the bond market after the election that Treasury note rates went from 1.77% to 2.3%, an increase only seen three other times in the history of the United States [1].

Investors heavily invested in bond funds are moving with uncertainty, and it is expected that the first quarter of 2017 will see further decrease of bond prices. Yet, most investors, particularly those with well-diversified and middle risk portfolios, are not withdrawing from bonds entirely, and this indicates that market is not heading for a complete collapse.

Conclusion

There are certain market indicators that the bond market is going to struggle in 2017, particularly for long-term bondholders. These factors include the Federal Reserve looking to increase the benchmark interest rate, a surge in government spending, and a preference for stocks over bonds taking hold. However, as in years past it is unlikely that a bond market will crash in the upcoming year.

 

References:

[1] http://money.cnn.com/2016/11/14/investing/bonds-trump-spending-fears/

[2] http://money.cnn.com/2016/06/06/investing/bonds-bubble-interest-rates-fed/

[3] http://www.businessinsider.com/heres-why-the-collapse-in-global-bond-yields-is-so-significant-2016-6

[4] http://www.investopedia.com/walkthrough/corporate-finance/3/bonds/inflation-interest.aspx

[5] http://www.nytimes.com/interactive/2016/business/economy/fed-raise-interest-rates-explained.html

[6] http://www.marketwatch.com/story/bbond-apocalypse-could-wipe-out-retirees-2016-11-17

[7] http://www.reuters.com/article/us-investment-mutualfunds-lipper-idUSKBN14I25E

 

Where to Invest Your Money in 2018

The year 2016 was filled with interesting twists and turns on the world stage that greatly affected the financial markets. There was the United Kingdom’s vote to leave the European Union, also known as Brexit. As a result, Scotland began the push for another referendum to leave the United Kingdom, which is still in process.

European countries such as of France, Germany, and the Netherlands witnessed a continuation of the migrant crisis from Northern Africa and the Middle East. Each of these countries has seen a recent rise in opposition parties to challenge the status quo.  In 2017 all three will also elect new leaders. Setting the stage for uncertainty, both politically and financially, across Europe in 2017.

In 2016 South Korea unceremoniously dismissed its long-standing prime minister, Hwang Kyo-ahn. Then, to the surprise of many, including American pollsters, 2016 saw the election of Donald Trump as President of the United States. An event that initially threw markets into turmoil, and almost as quickly into an upward spin [1]. Now, it is a presidency poised to throw curves at the financial market all year long.

Where Does This Leave Us?

These events, especially in the aggregate, mean 2017 is not an average year for market predictions. More than ever before, what happens politically and socially around the world is certain to affect what happens on Wall Street. There is much investors and the average Joe do not know about Trump’s intended policies, the stability of the European Union, and where the Middle East will settle when 2018 rolls around.

That being said, investors are incredibly optimistic going into 2017. The market experts have found a few solid bets for the New Year, and Wall Street experts and its biggest players have identified some of the better places to put your money. Plus, the markets have been bullish for a while now, with the DOW nearly at 20,000, and riding this high is a great time to consider where to invest your money in 2017 [2].

Looking Outside the United States

One of the most consistent recommendations for 2017 is to invest in emerging markets. By the end of 2016, emerging markets were up over 17%, and investors see much more room for growth in the upcoming year [3]. There is nearly unanimous consent among experts that in 2017 emerging markets will have better risk tolerance in the upcoming year. This will lead to more capital entering and invested in these foreign countries.

Savvy investors have targets a number of markets in developing countries for growth in 2017. Take a closer look at opportunities in Brazil, South Korea, Mexico, and India. Brazil had an uptick in 2016 and more expected to come, while South Korea’s improved political situation and anti-corruption efforts mean a likely up lift for its stagnant market [4]. Mexico and India both have economic-minded leaders at the helm and the workforce for continued growth. Other indexes recommend avoiding the bigger markets, such as Brazil and India in favor of quickly expanding economies such as the Philippines, Mexico, Columbia, and Malaysia [3].

The euphoria for emerging markets is not universal. Certain markets are experiencing slower growth, most noticeably China, with the country’s GDP growth expected to be 6.2% after a 6.6% increase in 2016 [3]. As China is the largest economy among emerging markets, this does present some room for pause.

Medical Stocks on the Radar

Many of Wall Street’s stock pickers are optimistic about the U.S. market in 2017. However, with less returns expected than at the closing bell for the previous year, it is time to be smarter about some specific industries.

It would seem a risky year for healthcare, as the Affordable Care Act is on the proverbial chopping block and Republican lawmakers have yet announce a replacement plan. Yet, certain healthcare companies are repeatedly making the best bet lists. Envision Healthcare is one [2]. Another medical company with 2017 potential is Medpace, a company that handles clinical trials within the biotech industry [5].

Donald Trump and Defense Spending

If there is one industry that received a serious boost from the election of Donald Trump it is military production and defense. There is an assumption that his campaign promises and Republican Congress will lead to an uptick in United States military spending [5]. Therefore, Wall Street’s top stock pickers are looking at several defense contractors and military production companies to be big winners on the market in 2017.

Lockheed Martin is the contractor of choice for a number of United States fighter jets, unmanned vehicles and aircraft, and even spare parts [6]. The diversification of its planes, parts, and services mean it is in a prime position if military rebuilding and defense spending do increase.

Another company with a plum spot among U.S. military contractors is Raytheon [5]. From missiles to a range of electronic equipment, hardware, and systems Raytheon supplies the United States military with part of its essential arsenal.

Getting Busy with Banking

Since the market downturn in 2008 the general public with skepticism has regarded banks and financial institutions, and with good reason. There were years of government bailouts and then immense regulation of financial institutions under new federal law. However, when it comes to diversification of investment portfolios, it is difficult to imagine ignoring the potential of some banks and other financial institutions in 2017.

If you want to look towards some of the big names on Wall Street, there is no better example than Warren Buffett of Berkshire Hathaway. The financial institution he is betting on for 2017 is Bank of New York Mellon. Other investors seem to agree with the financial giant. The feeling is Bank of New York Mellon is currently trading under its value, and therefore the stock price is right to rise in the coming year [1].

Sometimes there is a time to buy stocks for their potential growth and rise in price into the New Year, and then there is dividend potential. One financial institution that is set to distribute a dividend back to shareholders is Prudential [6]. The prediction is this will be a significant distribution of corporate funds to investors, and there are recommendations all over Wall Street to scoop up some stocks now.

 

References:

[1] http://www.forbes.com/sites/investor/2016/12/28/best-investing-ideas-for-2017/#56a3fa874b18

[2] http://money.cnn.com/2016/12/28/investing/stocks-to-buy-2017/

[3] http://time.com/money/4586531/emerging-markets-growth-china-2017/

[4] http://www.cnbc.com/2017/01/06/9-investment-ideas-for-2017-commentary.html

[5] http://www.kiplinger.com/slideshow/investing/T052-S003-8-stocks-to-buy-now-for-2017/index.html

[6]  http://www.msn.com/en-us/money/savingandinvesting/the-10-best-stocks-to-buy-for-2017/ss-AAlw7bi#image=1

The 5 Best Ways to Save for Retirement

It is possible to save a substantial amount for your retirement, even if you do not earn a lot annually. Many Americans are able to retirement fund out of $40,000 or less a year, yet others report having less than $25,000 in retirement savings [1]. What causes this divide?

A lot of growing your nest egg is about smart and consistent saving, not putting away fast money. Based on the advice of financial experts, here is the list of the 5 best ways to save for retirement.

Get and Stay Out of Bad Debt

Individuals who carry debt face a massive impediment to retirement saving [2]. The longer it takes to pay off debt, the more interest accumulates on the principle amount. Even a small amount of credit card debt or loan repayment can divert money from a retirement fund to these interest payments.

Therefore, it is pertinent to pay down debt quickly. Financial planners recommend that you pay down high-interest debt first [3]. This makes sense to efficiently make your liabilities less than your income. However, many debtors find it is easier to tackle this task card by card. Start with the balance on a card and pay it off entirely, then move to the balance on the next card [1]. Eventually, you will find yourself free of credit card debt and surprised by the extra funds available for retirement savings.

True, not all debt is created equal, but getting out of debt applies to all non-mortgage debt. This recommendation includes any and all student debt [4]. Many people have college loans that were necessary to complete higher education. This debt has a tendency to hang over your head for a long time, and eventually it will cut into the amount you put away for retirement.

Think About Your Paycheck’s Potential

Planning for retirement is a constant struggle between immediate gratification and future benefits. This is most obvious when you consider where and how your paycheck is distributed. You are already sacrificing to taxes and Social Security, and sometimes it is difficult to imagine other chips from that regular payment when you first start in the workforce.

Yet, the smartest savers begin at an early age. In fact, the first years of your career are the best time to begin retirement saving. At this time employees are likely to have fewer expenses and responsibilities. People can also take more risks on investments. Experts say people should be putting away retirement money by age 25 [5].

As well, the longer your money sits in a retirement fund, the more interest it can build and the greater returns you will see from investments. If your money has been building since the young ages of 22 or 23, it can exponentially increase the amount of money you have at 90,

Plan, Budget, Execute

 Saving starts begins with less spending, and a man with a plan is much more likely to succeed. Of course, the same goes for a woman. This is why a planned out and written budget will lead to more substantial retirement savings. As well, a budget will help you meet immediate financial goals, which is great training for the bigger task of putting away enough money for retirement [3].

The goal of this careful budgeting is to spend less than you earn, which even means on yearly vacations and other major expenses [2].

A budget gives you something tangible to achieve, and it is a great way to stay accountable. Be sure to share this budget with your partner, and keep one another in check if certain spending habits throw it off course. As well, if a major expense arises, determine where that fits in the budget. It should be something that can become part of your plan instead of a budget buster.

Key Contributions Through Company Plans

Most people will incur hundreds of thousands of dollars in basic expenses during retirement, and the savings in a 401(k), Roth IRA, or other savings plan needs to cover all of these costs. To ensure you do not come up short it is essential to put aside as much money as possible through your company’s retirement plan.

As well, income that is put into a retirement savings account is not taxed when deposited, only when distributed [3]. Therefore, take advantage of the tax shelters for retirement funds, and maximize the amount you can save for later in life.

At the onset, paying in the maximum annual contribution to a 401(k) or other company plan can feel like a huge sacrifice of spending money. Experts recommend paying in 2% of your paycheck to begin [1]. Individuals and families quickly forget about money that is never deposited into a bank account, so have this taken directly from your paycheck [4]. Lifestyle and spending decisions will follow suit.

Therefore, after a short amount of time it is easy to increase the amount paid into a retirement plan. Eventually, the goal is to pay the maximum contribution amount into your 401(k) or Roth IRA. The same goal can be set for payment into a health savings account (otherwise known as a HSA).

Hand in hand with maximum contributions through you savings plan is ensuring you take full advantage of a company’s matching contribution from your employer [3]. There are a number of companies that offer matching programs, and will even match up to the maximum contribution allowed under federal law. These matching benefits from an employer result in free money for you [2].

Diversify Your Investment Portfolio Early On

Learning how to account for losses is incredibly important for a smart and successful investor. If you plan to build you retirement on the stock market and a 401K-investment portfolio, then it must be well managed and diversified. A financial planner or investment account manager will be able to offer advice on how and where to put your money in the market, but in general the recommendation is to invest in stocks over bonds [4].

Although diversification, even in your 20’s is important, when you are younger is also a great time to take more risks in your portfolio [2]. The ramifications of losses are not as dire or immediate (as you have plenty of time to recoup the funds), but a big return means the time to build interest and other investments with that money.

 

References:

[1] http://www.marketwatch.com/story/the-4-best-ways-to-jump-start-your-retirement-savings-2014-06-12

[2] http://money.usnews.com/money/blogs/on-retirement/2013/08/19/10-smart-retirement-moves-to-make-in-your-20s

[3] https://www.fidelity.com/viewpoints/personal-finance/tax-smart-savings-tips

[4]http://www.usatoday.com/story/money/personalfinance/2015/01/26/retirements-savings-at-every-age/21771099/

[5] http://money.usnews.com/money/retirement/articles/2012/07/30/7-ways-to-retire-with-1-million

5 Warnings Signs the Market is About to Crash

History has a lot of tell us about the cyclical nature of the stock market. There are upturns and downturns, bullish and bearish markets, and, it does seem, what goes around comes around. Therefore, history should also teach us a considerable amount about what indicates a stock market crash.

There certainly appear to be some events and signs that indicate a market downturn. Yet, the difficult and exciting thing about the stock market is that these indicators and signs the market is about to crash are not always accurate. Nor are they always apparent to everyday investors and event savvy hedge funds before it is too late. In the past, market crashes have taken most people by surprise [1].

 Defining a Crash

The definition of a stock market crash is a market index dropping 50% or more from a previous high [2]. This is an extremely rare event in the history of the stock market, but it has happened. More than likely, it will happen again.

Most famously the stock market crashed in 1929, leading to the Great Depression. The Great Depression began with the crash of the stock market on October 29, 1929. Between that day and December 31, 1929, investors in the stock market lost over $40 billion dollars [3]. What followed was a period of decreased consumer spending and bank failures that precipitate the poverty and unemployment of many Americans.

In 1987 Black Monday brought the markets down in a single day. It is still the largest one-day crash in the history of the United States markets, and it was characterized by fearful sell orders from investors around the world. Again the market crashed by just over 50% in 1999, the start of another recession for the United States.

Here are five important signs of a market crash that we have learned from these important historical events and the crash of stock markets around the world.

Stocks in a Bubble

 The stock markets are normally in a bubble before a crash. This is the opinion of many Wall Street analysts, historians, and, essentially, the words of Donald Trump in regards to why he would not recommend increasing or purchasing new shares in the stock market during the year 2016 [4].

The way many on Wall Street explain this phenomenon is that the market accelerates, but then it surpasses, sometimes widely surpasses, the anticipated growth earnings [5]. The theory is this bubble between the actual growth earnings and stock prices causes a sharp and sudden decline when the natural course of free markets corrects this bubble.

 Warnings from Commodity Costs

A precursor to the stock market trends can be what happens on the commodity markets. As with all indicators of a market crash, there is no certainty behind this bet. However, when it comes to accurate indicators, this is one of the better ones.

For instance, in mid-2015 commodity prices dropped to record lows. Most noticeably, the price of crude oil, the commodity behind daily work and life for humans the world over, fell around $50 a barrel from a high of over $140 per barrel about a year and a half earlier [6].

Just a few days later, news outlets around the world were reporting on the falling stock market prices. The DOW lost nearly 1,000 points over the course of a few days [7]. Most of this activity on the stock market was explained as a correction, but it is hard to deny the similar downward turn of commodity trading days before. Afterwards, more traders and hedge funds keep an eye on the commodities market for a sign of upcoming stock movement.

 Effect of Raising the Fed Interest Rate

 In December 2015 the Federal Reserve raised the benchmark interest rate for the first time in nine years. The initial expectation was a sharp and heavy-hitting reaction by investors in a number of markets, however markets corrected nicely after the initial increase to 0.25%. This surprised investors who expected that the 0% interest rate helped the market maintain growth between 2009 and 2016 [8].

The Federal Reserve is expected to raise the interest rate again. The Fed Chair Janet Yellen has indicated as much since summer 2016, and 2017 is nearly certain to see a jump to at least 0.50%. However, this is a serious question of timing for the United States government.

If this second increase comes too soon, it is likely to leave stock markets in disarray. A hike in the benchmark interest rate trickles down to lending opportunities for companies, possible profits from refinancing, and eventually the price of shares [8]. As well, it leaves investors uncertain of how U.S. currency will rise, where inflation may land, and how consumer spending will react.

Events in Other Markets

A look at the market downturn in August 2015 reveals another important factor of the next market crash. The events of foreign markets will invariably and inevitably affect the United States stock market [6]. The world operates on a global economy, and what happens elsewhere reverberates through our financial sector.

In August 2015 the Chinese economy experienced a period of immense uncertainty and panic. This followed the Chinese government’s announcement to devalue its currency, an unexpected and unprecedented maneuver. The Chinese markets fell 40% [7]. However, the Chinese market no longer operates, rises, or falls in isolation. With the 40% fall by the Chinese, there was a corresponding 10% fall by United States markets.

The larger economies in the world, from Brazil to India, all affect the United States. It is a tenuous system that can tumble or build on a singular event [1]. If a number of these economies begin to suffer, then the American markets will also suffer. Many investors look to the strength and control of central banks in these foreign markets for signs that a downturn is ahead for the world economy [6].

  1. Reflection of Fear and Uncertainty

Alternatively, other purveyors of Wall Street’s cycles feel that the risk built up during a long stretch of bullish markets leads to the crash. A sharp rise in a market, such as the DOW, leads investors to take more risks and move on unlikely stocks.

However, it is a false high. The market is overvalued and eventually that must even out. When it does, there is a natural tendency to swing too far in the other direction. Hence, the relationship between the bubble and a market crash.

 

References:

[1] https://www.nytimes.com/2016/05/01/upshot/listen-carefully-for-signs-of-the-next-global-recession.html?_r=0

[2] http://www.forbes.com/sites/davidmarotta/2016/08/21/beware-of-dire-market-crash-predictions/#1c15c8951ddb

[3] http://americanhistory.about.com/od/greatdepression/tp/greatdepression.htm

[4] http://www.cnbc.com/2016/08/10/the-stock-market-bubble-boys-are-wrong-about-this-market-commentary.html

[5] http://www.businessinsider.com/stock-market-crash-warning-signs-2013-11?op=1

[6] http://business.financialpost.com/investing/global-investor/eight-signs-a-global-market-crash-is-imminent-as-central-banks-lose-control

[7] http://money.cnn.com/2015/08/24/investing/stocks-market-crash-by-the-numbers/

[8] http://money.usnews.com/investing/articles/2016-08-31/will-rising-interest-rates-hurt-stocks

Big Book of Income Review

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What is the Big Book of Income?

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The materials in this site are provided “as is” and without warranties of any kind either express or implied. www.financialstardaily.com disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for any particular purpose. www.financialstardaily.com does not warrant that the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that this site or the server that makes it available are free of viruses or other harmful components. www.financialstardaily.com does not warrant or make any representations regarding the use or the results of the use of the materials or products in this site in terms of their correctness, accuracy, reliability, or otherwise. You (and not www.financialstardaily.com assume the entire cost of all necessary servicing, repair or correction. Applicable law may not allow the exclusion of implied warranties, so the above exclusion may not apply to you.

Under no circumstances, including, but not limited to, negligence, shall www.financialstardaily.com be liable for any special or consequential damages that result from the use of, or the inability to use, the materials in this site, even if www.financialstardaily.com or a www.financialstardaily.com authorized representative has been advised of the possibility of such damages. Applicable law may not allow the limitation or exclusion of liability or incidental or consequential damages, so the above limitation or exclusion may not apply to you. In no event shall www.financialstardaily.com’s total liability to you for all damages, losses, and causes of action (whether in contract, tort, including but not limited to, negligence or otherwise) exceed the amount paid by you, if any, for accessing this site.

Facts and information at this website are believed to be accurate at the time they were placed on the website. Changes may be made at any time without prior notice. All data provided on this website is to be used for information purposes only. The information contained on this website and pages within, is not intended to provide specific legal, financial, health or tax advice, or any other advice, whatsoever, for any individual or company and should not be relied upon in that regard. The services, product, and information described on this website are only offered in jurisdictions where they may be legally offered. Information provided in our website is not all-inclusive, and is limited to information that is made available to www.financialstardaily.com and such information should not be relied upon as all-inclusive or accurate.

Statements on www.financialstardaily.com have not been evaluated by the Food and Drug Administration or any other governing body. As always readers should consult appropriate health professionals as necessary on any matter relating to their health and/or well-being before taking any action of any kind. Individual results of the use of the products, or information found on www.financialstardaily.com will vary. Statements mentioned are to be considered anecdotal with no expressed or implied results by www.financialstardaily.com.

Health Disclaimer

Any and all information contained on www.financialstardaily.com or any www.financialstardaily.com related sites, articles or materials are not intended to take the place of medical advice from a health care professional. Any action taken based on the contents found in www.financialstardaily.com or any www.financialstardaily.com related sites, articles, materials, products or information is to be used at the sole discretion and sole liability of the the person or persons visiting www.financialstardaily.com.

Readers of any information found on www.financialstardaily.com should always consult appropriate health professionals on any matter relating to their health and well being before taking any action of any kind concerning health related issues. Any information or opinions provided here or in any www.financialstardaily.com related articles, materials or information are believed to be accurate and sound, however www.financialstardaily.com assumes no liability for the use or misuse of information found on www.financialstardaily.com.

Neither any personnel or associates of www.financialstardaily.com will in any way be held responsible on behalf of any reader who fails to consult the appropriate health authorities with respect to their individual health care before acting on or using any information or products found on www.financialstardaily.com, and neither the author or publisher of any information found on www.financialstardaily.com will be held responsible for errors or omissions, or use or misuse of the information or products found on www.financialstardaily.com.

Links and Marks

The owner of this site is not necessarily affiliated with sites that may be linked to this site and is not responsible for their content. The linked sites are for your convenience only and you access them at your own risk. Links to other websites or references to products, services or publications other than those of www.financialstardaily.com and its subsidiaries and affiliates at this website, do not imply the endorsement or approval of such websites, products, services or publications by www.financialstardaily.com or its subsidiaries and affiliates.

Certain names, graphics, logos, icons, designs, words, titles or phrases at this website may constitute trade names, trademarks or service marks of www.financialstardaily.com or of other entities. The display of trademarks on this website does not imply that a license of any kind has been granted. Any unauthorized downloading, re-transmission, or other copying of modification of trademarks and/or the contents herein may be a violation of federal common law trademark and/or copyright laws and could subject the copier to legal action.

Confidentiality of Codes, Passwords and Information

You agree to treat as strictly private and confidential any Subscriber Code, username, user ID, or password which you may have received from www.financialstardaily.com, and all information to which you have access through password-protected areas of www.financialstardaily.com’s websites and will not cause or permit any such information to be communicated, copied or otherwise divulged to any other person whatsoever.

Jurisdiction and Other Points to Consider

These Terms of Use will apply to every access to http://www.financialstardaily.com. www.financialstardaily.com reserves the right to issue revisions to these Terms of Use by publishing a revised version of this document on this site: that version will then apply to all use by you following the date of publication. Each access of information from www.financialstardaily.com will be a separate, discrete transaction based on the then prevailing terms.

This Terms of Use and the license granted may not be assigned or sublet by You without www.financialstardaily.com’s written consent in advance.

These Terms of Use shall be governed by, construed and enforced in accordance with the laws of the Florida, as it is applied to agreements entered into and to be performed entirely within such jurisdiction./span>

To the extent you have in any manner violated or threatened to violate www.financialstardaily.com and/or its affiliates’ intellectual property rights, www.financialstardaily.com and/or its affiliates may seek injunctive or other appropriate relief in any state or federal court in the State of Florida, and you consent to exclusive jurisdiction and venue in such courts.

Any other disputes will be resolved as follows:

If a dispute arises under this agreement, we agree to first try to resolve it with the help of a mutually agreed-upon mediator in the following location: Tampa, Florida. Any costs and fees other than attorney fees associated with the mediation will be shared equally by each of us./span>

If it proves impossible to arrive at a mutually satisfactory solution through mediation, we agree to submit the dispute to binding arbitration at the following location: Tampa, Florida, under the rules of the American Arbitration Association. Judgment upon the award rendered by the arbitration may be entered in any court with jurisdiction to do so.

If any provision of this agreement is void or unenforceable in whole or in part, the remaining provisions of this Agreement shall not be affected thereby.

Termination

These Terms of Use agreement are effective until terminated by either party. You may terminate this agreement at any time by destroying all materials obtained from any and all http://www.financialstardaily.com site(s) and all related documentation and all copies and installations thereof, whether made under the terms of this agreement or otherwise. This agreement will terminate immediately without notice at www.financialstardaily.com’s sole discretion, should you fail to comply with any term or provision of this agreement. Upon termination, you must destroy all materials obtained from this site and any and all other http://www.financialstardaily.com site(s) and all copies thereof, whether made under the terms of this agreement or otherwise.

Contact Us

contact-us

If you have any questions about this web site, please feel free to email us at support [at] financialstardaily.com and we will get back to you within 24-48 hours.

 

Company Address:

PO Box 4731
Tampa, Florida 33677

Email Address:

support [at] financialstardaily.com

 

Privacy Policy

Our web site, financialstardaily.com strives to offer its visitors the many advantages of Internet technology and to provide an interactive and personalized experience. We may use Personally Identifiable Information (your name, e-mail address, street address, telephone number) subject to the terms of this privacy policy. We will never sell, barter, or rent your email address to any unauthorized third party. Period.”

How We Gather Information From Our Users

How we collect and store information depends on the page you are visiting, the activities in which you elect to participate and the services provided.

For example, you may be asked to provide information when you register for access to certain portions of our site or request certain features, such as newsletters or when you make a purchase.

There are 2 different locations where you may be sent to another web site and they are as follows:

#1: Right Side Bar

Our right bar we might offer a free report that you get when you enter your name and email address.  After you enter your email address you’ll also have access to a newsletter.  You’ll start receive emails offering various tips on improving your financial decisions and occasionally be asked to purchase other products from various web sites.

#2: Articles

We have several articles to help improve your financial situation and we have various links that will take you to a 3rd party web site.  The external web sites are financial related and are meant to further your knowledge or provide a product that can help you with a specific problem you may have.

Tracking Pixels & Custom Audiences

Our web site may add tracking pixels so that we can retarget our web site visitors.  Retargeting is when we add a custom code to our site that allows us to show our ads to you again, once you leave our web site.  The reason for this is to build brand awareness and/or get our users to take an action such as sign up to a newsletter or read an article and click to purchase something.

We may use custom audiences to serve ads based off of the users that visit our web site to better serve and improve  the experience of our visitors.  For example, if we have a majority of our visitors who are men over age 50, we may create ads that are for that particular demographic and show the ads on facebook or other web sites.

Google Analytics

We may use Google Analytics to track how long visitors are on our web site to determine if the articles or pages are popular or not.  We also may track how many different pages a user visits before leaving the web site to further optimize our user experience.  It’s also important to note that we allow third party behavioral tracking.

Our web site may add tracking pixels so that we can retarget our web site visitors using Google ad network.  Retargeting is when we add a custom code to our site that allows us to show our ads to you again, once you leave our web site.  This ads may be displayed on various web sites.  The reason for this is to build brand awareness and/or get our users to take an action such as sign up to a newsletter or read an article and click to purchase something.

You can opt out by visiting the Network Advertising initiative opt out page or using the Google Analytics Opt Out Browser add on. https://tools.google.com/dlpage/gaoptout/

Cookies

Like most Web sites, www.financialstardaily.com also collects information automatically and through the use of electronic tools that may be transparent to our visitors. For example, we may log the name of your Internet Service Provider or use cookie technology to recognize you and hold information from your visit.

Among other things, the cookie may store your user name and password on this web site or a 3rd party web site we recommend, sparing you from having to re-enter that information each time you visit, or may control the number of times you encounter a particular advertisement while visiting our site.

As we adopt additional technology, we may also gather information through other means. In certain cases, you can choose not to provide us with information, for example by setting your browser to refuse to accept cookies, but if you do you may be unable to access certain portions of the site or may be asked to re-enter your user name and password, and we may not be able to customize the site’s features according to your preferences.

Newsletters & Third Party Sign Ups

We have a newsletter that you can sign up for to receive daily emails.  We often times provide content and sell various products we feel can benefit the end user.  We do make a commission for recommending third party products.  We never link or recommend a product that we personally don’t believe in or use.

What We Do With The Information We Collect From Web Site Visitors

Like other Web publishers, we collect information to enhance your visit and deliver more individualized content and advertising. We respect your privacy and do not share your information with anyone.

Aggregated Information (information that does not personally identify you) may be used in many ways. For example, we may combine information about your usage patterns with similar information obtained from other users to help enhance our site and services (e.g., to learn which pages are visited most or what features are most attractive).

Aggregated Information may occasionally be shared with our advertisers and business partners. Again, this information does not include any Personally Identifiable Information about you or allow anyone to identify you individually.

We may use Personally Identifiable Information collected on http://www.financialstardaily.com to communicate with you about your registration and customization preferences; our Terms of Service and privacy policy; services and products offered by http://www.financialstardaily.com and other topics we think you might find of interest.

Personally Identifiable Information collected by http://www.financialstardaily.com may also be used for other purposes, including but not limited to site administration, troubleshooting, processing of e-commerce transactions, administration of sweepstakes and contests, and other communications with you.

Certain third parties who provide technical support for the operation of our site (our Web hosting service for example) may access such information.

Our Partners & Other Companies/Businesses

We will use your information only as permitted by law. In addition, from time to time as we continue to develop our business, we may sell, buy, merge or partner with other companies or businesses. In such transactions, user information may be among the transferred assets.

We may also disclose your information in response to a court order, at other times when we believe we are reasonably required to do so by law, in connection with the collection of amounts you may owe to us, and/or to law enforcement authorities whenever we deem it appropriate or necessary. Please note we may not provide you with notice prior to disclosure in such cases.

Affiliated Sites, Linked Sites and Advertisements

financialstardaily.com expects its partners, advertisers and affiliates to respect the privacy of our users. Be aware, however, that third parties, including our partners, advertisers, affiliates and other content providers accessible through our site, may have their own privacy and data collection policies and practices. For example, during your visit to our site you may link to, or view as part of a frame on a http://www.financialstardaily.com page, certain content that is actually created or hosted by a third party.

Also, through http://www.financialstardaily.com you may be introduced to, or be able to access, information, Web sites, features, contests or sweepstakes offered by other parties. http://www.financialstardaily.com is not responsible for the actions or policies of such third parties. You should check the applicable privacy policies of those third parties when providing information on a feature or page operated by a third party.

While on our site, our advertisers, promotional partners or other third parties may use cookies or other technology to attempt to identify some of your preferences or retrieve information about you. For example, some of our advertising is served by third parties and may include cookies that enable the advertiser to determine whether you have seen a particular advertisement before.

Affiliate Product Recommendations

We recommend various products on several pages throughout the site where we earn a commission if a sale or sign up occurs.  

Other features available on our site may offer services operated by third parties and may use cookies or other technology to gather information. http://www.financialstardaily.com does not control the use of this technology by third parties or the resulting information, and is not responsible for any actions or policies of such third parties.

You should also be aware that if you voluntarily disclose Personally Identifiable Information on message boards or in chat areas, that information can be viewed publicly and can be collected and used by third parties without our knowledge and may result in unsolicited messages from other individuals or third parties. Such activities are beyond the control of http://www.financialstardaily.com and this policy.

Children

http://www.financialstardaily.com does not knowingly collect or solicit Personally Identifiable Information from or about children under 13 except as permitted by law. If we discover we have received any information from a child under 13 in violation of this policy, we will delete that information immediately. If you believe http://www.financialstardaily.com has any information from or about anyone under 13, please contact us at the address listed below.

Contacting Us

We can be reached by contacting:

http://www.financialstardaily.com

Email: support [at] financialstardaily.com

Phone Number: 1-888-893-7707

Address:

Po Box 4731
Tampa, Florida 33677

Changes to this Policy

financialstardaily.com reserves the right to change this policy at any time. Please check this page periodically for changes. Your continued use of our site following the posting of changes to these terms will mean you accept those changes. Information collected prior to the time any change is posted will be used according to the rules and laws that applied at the time the information was collected.

Governing Law

This policy and the use of this Site are governed by Florida law. If a dispute arises under this Policy we agree to first try to resolve it with the help of a mutually agreed-upon mediator in the following location: Tampa, Florida. Any costs and fees other than attorney fees associated with the mediation will be shared equally by each of us.

If it proves impossible to arrive at a mutually satisfactory solution through mediation, we agree to submit the dispute to binding arbitration at the following location: Tampa, Florida, under the rules of the American Arbitration Association. Judgment upon the award rendered by the arbitration may be entered in any court with jurisdiction to do so.

www.financialstardaily.com is controlled, operated and administered entirely within Florida. This statement and the policies outlined herein are not intended to and do not create any contractual or other legal rights in or on behalf of any party.