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Articles by Justin Krane

Browse published articles attributed to Justin Krane, with full-archive search.

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By Justin KraneRecently published1 topic

What Is Yoda’s Retirement Plan?

Remember Yoda? The short little bald guy in Star Wars? He lived for 900 years! What did that guy eat for breakfast? Wheaties? Kale? Thin Mint Girl Scout Cookies? He must’ve had great jeans (levi’s, true religion, 7 for all mankind). He also probably meditated, exercised, and took some serious supplements. Ya think Yoda ran out of money? How much money did he have in his 401k? Do you think he saved enough? Who knows, maybe he had an annuity or something. He probably invested in Google before it went public. What if you live a lot longer than you think you will?

Primary topic: Financial Freedom

Financial Freedom

1,762 views

By Justin KraneRecently published1 topic

Do Your Taxes Have Bad Breath?

Your taxes only end up stinking if you put them off till the last minute. You are trying to back away from them but their stank is just ridic? They have no idea how bad their breath is! Especially when they eat the onion bagel with lox cream cheese! You’ll do anything to avoid their halitosis.

Primary topic: Financial Freedom

Financial Freedom

1,628 views

By Justin KraneRecently published1 topic

Did You Buy Real Estate As a Kid?

Real Estate Can Help You Build Wealth Remember playing the game Monopoly? You had all of the cash. You were raking in the dough. You bought real estate . . . and you built houses. You were killin’ it! People would land on your properties and they would have to pay you rent. Cash money baby! This passive income stuff doesn’t have to be pretend. It can actually happen in the real world . . . to you . . . if you are smart about it. For reelz. For your personal finances – I’ve got one idea for you that is right under your nose. Go look in the mirror. It says real estate.

Primary topic: Financial Freedom

Financial Freedom

1,614 views

By Justin KraneRecently published1 topic

Can You Get In On the Facebook IPO?

The Facebook IPO Is Coming Soon But How Public Is It Really? You love Facebook. You believe in it. You want a piece of it. So you want to get in on the Facebook IPO. But to do that, you have to be an “accredited investor,” meaning that your net worth needs to be above $1 million, your annual income needs to be over $200k and you must be able to certify that you have experience investing in private companies. Whew!

Primary topic: Financial Freedom

Financial Freedom

1,544 views

By Justin KraneRecently published1 topic

A 401k for Your Employees?

This July, 401k participants will receive more disclosures about the fees they are paying inside their 401k plans. The Department of Labor wants more transparency and more disclosure on what kind of fees employees are paying inside their 401ks. Why? Because many employees have no idea how much they are paying in mutual fund fees. A recent survey by AARP said that 71% of people saving for retirement thought they didn’t pay any investment fees whatsoever.

Primary topic: Financial Freedom

Financial Freedom

1,489 views

By Justin KraneRecently published1 topic

Behavioral Finance – Part 2

Behavioral finance is a type of finance that examines the psychological aspects about how we make decisions about money. This is part two where we will examine two more theories of behavioral finance and how it effects our financial decisions. The first one is called “anchoring bias” and to better understand this theory, let's consider a few scenarios. Why is it that when we buy a stock for $10, and then it goes to $7, we immediately think about selling once it goes back to $10?

Primary topic: Financial Freedom

Financial Freedom

1,489 views

By Justin KraneRecently published1 topic

Your Investment Portfolio and Risk

Manage Your Investment Portfolio Like Goldilocks Yep, I’m going with the Goldilocks tale to talk about your investment portfolio. Not too hot and not too cold. Goldilocks wants her porridge just right. So you have your portfolio and you’re trying to grow it but not lose it. Too hot is taking too much risk, and too cold is taking too little risk. You have to take the right amount of risk to generate enough of a rate of return to make things just right.

Primary topic: Financial Freedom

Financial Freedom

1,414 views

By Justin KraneRecently published1 topic

The Art of Working with a Bookkeeper

You have made the decision to hire a bookkeeper. Congratulations because now you will have more time to focus on making more money in your business. So let's make sure you get your money's worth! Here are 7 things you should do when you start working with a bookkeeper. 1. Share Your Vision, Share You

Primary topic: Financial Freedom

Financial Freedom

1,401 views

By Justin KraneRecently published1 topic

Investors – Grow Your Portfolio

Investors is your portfolio growing or withering? It’s crazy. It’s wild. And it’s the real deal. And it’s not my big hair. It’s why some investors can’t make even 5% on their money per year over a 20 year period to grow their portfolio.

Primary topic: Financial Freedom

Financial Freedom

1,387 views

By Justin KraneRecently published1 topic

Behavioral Finance – Part 1

Behavioral finance examines the psychological aspects about how we make decisions about money. This is part one where we will examine two theories of behavioral finance and how it effects our financial decisions. Hopefully, you'll have a better understanding of which and how these theories apply to you. The first is “loss aversion.” Ever buy a stock that plummets with little potential of recovery? It becomes very hard for you to sell and take a loss. Over the years, it sits on your statement and sometimes even loses more value.

Primary topic: Financial Freedom

Financial Freedom

1,316 views

By Justin KraneRecently published1 topic

Give Them That Wow Factor

It’s a giant trampoline with a basketball hoop inside of it. I had no idea how much my kids would love that trampoline. They are on that thing every time they are at my parents’ house. This trampoline is a kid magnet. They never get bored with it. Once they go in, they stay in forever. Why? Because it makes them feel good. It’s a big wow factor. That trampoline makes them feel like they have super jumping powers. What kid doesn’t like the feeling of jumping up to the sky?

Primary topic: Financial Freedom

Financial Freedom

1,303 views

By Justin KraneRecently published1 topic

How Many Times Do You Hit Snooze?

The snooze button! It’s your early morning friend – or foe – depending on how it sets you up for your day. For some of us, it’s that annoying sound that goes off in the morning. (Who here gets major bedhead?) Just hitting the snooze button requires a major amount of sheer energy! Once we do it we go right back to la la land. But for others, the snooze button can be your friend. It can give you some extra time to lay in bed, and be intentional about what you want to achieve for your day.

Primary topic: Financial Freedom

Financial Freedom

1,256 views

By Justin KraneRecently published1 topic

Does Money = Happiness

Your peace of mind. Your happiness. Your return on life. How much does all of this stuff cost? Can you buy it at Whole Foods or Trader Joes? Can you get a deal online at Amazon? It’s not about the money. Or is it about the money?

Primary topic: Financial Freedom

Financial Freedom

1,254 views

By Justin KraneRecently published1 topic

Know Your Competition

Make no mistake. Your competition is spying on you. Wait, let me clarify that. Your smart competition is spying on you. They are trying to be different from you and everyone else. Your competition is adopting their own “Blue Ocean Strategy”(great book) in how they really separate themselves and rise to the top in business. Think about what rising to the top would mean to you. More money, personally growing, making a big impact in your industry – getting your mojo back. Study your competition. What’s working for them and why? Here are a few items for you to research and think about:r

Primary topic: Financial Freedom

Financial Freedom

1,233 views

By Justin KraneRecently published1 topic

Whole Life Insurance

Many business owners poo-poo whole life insurance because they say it’s too expensive. Instead, they say buy term insurance (which is cheaper) and invest the rest. But the thing is, most people don’t end up investing the rest. So the money ends up going to other things. But for some business owners, whole life insurance may be just what the doctor ordered.

Primary topic: Financial Freedom

Financial Freedom

1,229 views

By Justin KraneRecently published1 topic

Establish Business Credit in 2013

Business credit diversifies your borrowing options and sometimes your liability. 2013. You want an edge, right? How about making smart decisions? Choices that will create the type of success you want for your biz. The thing is, it's hard to make a decision about something that you don't understand! We gotta dive into giving you some credit! Yep. Business credit. Ways you can borrow money for your business, not by your personal credit cards. I'm not saying you should get your business into debt for no reason. But if you need to borrow money for your business, why not be smart about it?r

Primary topic: Financial Freedom

Financial Freedom

1,215 views

By Justin KraneRecently published1 topic

McDonalds and Subway Have This. Do You?

According to the U.S. Dept of Commerce, 95% of franchises are still in business after 5 years. According to the Bureau of Labor Statistics and the SBA, only 50% of small businesses survive within 5 years. So why do franchises succeed? One reason is that they follow an operations manual the franchisor created for them. An operations manual is a written plan for how to run your business. It should be written so a complete stranger could walk into your company and take over the duties of any job you’ve hired employees to do.

Primary topic: Financial Freedom

Financial Freedom

1,211 views

By Justin KraneRecently published1 topic

Did the Poof the Magic Meister Getcha?

Where did all of the money go? I hear it all of the time! My clients tell me – Justin: “It comes in . . . and then “poof, it’s gone!” Poof, the magic meister could getcha every time. You feel like you are making decent money, but when you look at your profit, the money is gone. Poof took it to the city of Kaputnicksville (Yiddish for the Land of the Lost – I loved that show!). What you don’t know is that you are Poof! Aha! We gotta find the money. So let’s get to work and put on our thinking caps!!

Primary topic: Financial Freedom

Financial Freedom

1,209 views

By Justin KraneRecently published1 topic

4 Year CD Goldman Sachs Style

New 4 Year CD Tied To DJ Industrial. Will Wall Street Ever Learn? Check this out. Goldman Sachs is selling a 4 year CD that is linked to the Dow Jones Industrial Average. Another product designed by Wall St. to be sold rather than bought by investors.

Primary topic: Financial Freedom

Financial Freedom

1,153 views

By Justin KraneRecently published1 topic

Gain Leverage in Your Business

Leverage. One of the biggest words you need to focus on in business. It’s about getting the best bang for your buck – or your best use of your time.

Primary topic: Financial Freedom

Financial Freedom

1,152 views

By Justin KraneRecently published1 topic

Become a High Performer

What's Your Risk Tolerance Are you a high performer like Mia Hamm, Kobe Bryant or Roger Federer? What’s up with these 3? They bring it every time. They don’t go through peaks and troughs. They have sustained high performance, and that’s what makes them champions. They make being a high performer look so easy-peezy lemon-squeezy. So what does it take for you to be a high performer? And how can you be a high performer on a consistent basis? And what will it take for you to read this entire post? Are you checking out yet? Stay with me. Read this. Here’s my list:

Primary topic: Financial Freedom

Financial Freedom

1,148 views

By Justin KraneRecently published1 topic

Retirement Planning and Ingredients To Consider When Baking Your Retirement Cake

In the Olympics, you may have had a chance to watch a track and field superstar win a gold medal. Once they cross the finish line, their sheer excitement, happiness, and pride for their country is the engine that makes them take that victory lap. The pressure is gone, the results of the hard work show and it is their time to shine and celebrate. That lap that they ran is on their terms. They can stop for pictures, high five the fans, and just take it all in.

Primary topic: Financial Freedom

Financial Freedom

1,146 views

By Justin KraneRecently published1 topic

A Laddered Bond Portfolio Can Reduce Nausea

Bill Gross is the bond king. He manages the largest actively managed bond fund called Pimco Total Return, with $240 billion in assets. This is one of the first years in a long time that he has underperformed his benchmark. From Jan 1, 2001 through 9/30/2011, his fund is up 1.90%, vs. his benchmark which is the Barclays US Aggregate index (source pimcofunds.com). He made a bet that US Treasuries were going to go down in price and instead, they went up.

Primary topic: Financial Freedom

Financial Freedom

1,135 views

By Justin KraneRecently published1 topic

I Didn’t Know You Do That!

When it comes to your business, make sure you show all your cards. It’s come down to this. Where have all my pillowcases gone? Anyone else lose pillowcases, or just socks? I had been dreading the day that I would have to set foot in a Bed Bath & Beyond (BBB) store (they were all out of pillowcases online) and go shopping for pillowcases. Talk about dry heaving in a brown paper bag.

Primary topic: Financial Freedom

Financial Freedom

1,117 views

By Justin KraneRecently published1 topic

Use Your Marketing Dollars Wisely

Don’t let your marketing dollars get stuck in the vending machine. It happens to everyone. It’s like a rite of passage. You go to the vending machine to buy your raisinets and get your major chocolate fix. You put your money in the machine but your candy gets stuck. You’re bummed out. You weren’t expecting this to happen. You’re faced with the decision of putting more money in the machine to get what you want – or calling some number to complain, (do they ever answer?) knowing you will never get your money back.

Primary topic: Financial Freedom

Financial Freedom

1,101 views

By Justin KraneRecently published1 topic

Mortgage Refinance to the Rescue

Refinancers, HARP on This! A few years ago, you bought a house. You came in with your 25% down. And... poof, today, you've got nada, zilch, nothing, no equity in your house. It's gonzo and a mortgage refinance is next to impossible. Some of your peeps are able to do a mortgage refinance and go from a 5% mortgage to a 4% mortgage. Their mortgage payment drops by $200 to $300. But you haven't been able to refinance because your house is worth way less than your mortgage. Doesn't that just stink!?!

Primary topic: Financial Freedom

Financial Freedom

1,098 views

By Justin KraneRecently published1 topic

Get Out of Credit Card Debt

Credit Card Debt Traps Less U.S. Consumers CreditKarma.com has reported that consumers cut their credit card debt by 11%! The average credit card balance for 2011 was $6576, compared to $7404 in 2010. This is good stuff! The way we get into credit card debt in the first place is by spending more money than we have. For some reason, some of us decide that we will deal with the debt later, or that it will magically go away. Poof! But it doesn’t and the feeling of getting out of debt weighs on us. Then we retreat and turn to poverty thinking mode.

Primary topic: Financial Freedom

Financial Freedom

1,082 views

By Justin KraneRecently published1 topic

Credit Unions vs. Banks

Credit unions have their perks. Monopoly. Loved it. Did you love being the banker? The one with the big wad of cash? Those were the good old days when it was cool to be the bank. Today, it ain’t so cool to be the bank. Why? * All of the pens at the bank that you use to fill out the deposit slips are out of ink. Seems like the banks could care less. * The bankers have the worst ties and have spilled a bottle of cologne all over themselves. * There is only one teller available and all of the others are on a break.

Primary topic: Financial Freedom

Financial Freedom

1,080 views

By Justin KraneRecently published1 topic

Should You Still Invest in Gold?

Invest in Gold. Still a Smart Move for Your Portfolio Wow, another reminder to invest in gold! Debka.com is reporting that India will use gold to buy oil from Iran. India spends around $12 billion dollars a year to buy oil from Iran. China is expected to use gold as the unit of currency to buy oil from Iran as well.

Primary topic: Financial Freedom

Financial Freedom

1,063 views

By Justin KraneRecently published1 topic

4 Mistakes Entrepreneurs Make With Retirement Planning

Here are four common mistakes entrepreneurs make when it comes to retirement planning. Start now and you can avoid and/or correct these pitfalls. Mistake #1: You plan on selling your business in the year you want to retire. Then you will take that money and live off it. But what happens if you sell your business for less than the amount you think you can get for it? You may have to work longer than you'd like, or you may have to reduce your lifestyle in retirement.

Primary topic: Financial Freedom

Financial Freedom

1,040 views

By Justin KraneRecently published1 topic

Do You Have Business Liability Insurance?

Business liability insurance isn’t a luxury. It’s a necessity, unless you like lawsuits. You’re a physical therapist with your own business. You’re crushing it in your biz and then boom! Out of nowhere, one of your old clients sends you a letter and is suing you. Oh man! He’s suing you because he tripped and fell inside your waiting room. Your heart’s racing, you know you did nothing wrong, but the last thing you need is to deal with this. This guy turned out to be a real nut. What a joker! Major oy vey. You gotta deal with this lunatic.

Primary topic: Financial Freedom

Financial Freedom

1,036 views

By Justin KraneRecently published1 topic

Occupy Wall Street and Your Financial Plan

The Occupy Wall Street movement came out of nowhere. In just 4 weeks we have a movement that has gained some real traction. Here is where I agree with them. • Whatever happened to the executives at Fannie Mae and Freddie Mac? The company executives made gazillions of dollars at the expense of shareholders. • How about all of the mortgage companies that allowed people to borrow money, put down 5 or 10% with little documentation? • How about all of the investment bankers who packaged mortgage loans into securities that they were going to sell and which they knew weren’t solid?

Primary topic: Financial Freedom

Financial Freedom

1,025 views

By Justin KraneRecently published1 topic

The Dust Settles Around Facebook

Did you buy Facebook at $38 when it came public? Let’s talk about Facebook the stock. It’s now at $21.05. In other words, it’s down $17 or 44%. Facebook has almost one billion people on their site yet the stock went down. What happened here? Why has the stock gone down and what can you learn from Facebook as an entrepreneur, especially when you are going to sell your business?

Primary topic: Financial Freedom

Financial Freedom

1,012 views

By Justin KraneRecently published1 topic

Job Growth Is Good For Business

Job Growth Means Money in More People’s Pockets What’s going on with all of the jewelry buying at malls? Are they giving this stuff away for free? Why are there more customers in these stores? And where are they getting the cash? First off, it’s affordable. But moreover, it’s the fact that more people are working. Yep. More people are getting jobs. And job growth is good for business. I didn’t put 2 and 2 together until the Dow (stock market indicator) hit 14,000. The stock market is a leading indicator for how well the economy will do.

Primary topic: Financial Freedom

Financial Freedom

1,010 views

By Justin KraneRecently published1 topic

Do You Need to Hire an Employee?

You are swamped. You are 2 days behind on your emails at work. You have a presentation in 3 days that you haven’t even started. Client meetings that you haven’t prepared for. Your nanny just called in sick and you are scrambling to find coverage. Things are falling through the cracks. You are fahreekin out! What’s wrong with this picture?

Primary topic: Financial Freedom

Financial Freedom

994 views

By Justin KraneRecently published1 topic

Financial Independence

How about some fireworks for our financial independence? We just celebrated our country’s independence. During the fireworks show, I got the chills listening to everyone celebrate and cheer for our country. It’s a great feeling, right? Now let me ask you this. When is the last time you celebrated your financial independence?

Primary topic: Financial Freedom

Financial Freedom

951 views

By Justin KraneRecently published1 topic

Correlation and Your Portfolio

What Is Correlation and How It Effects Your Portfolio You just got on the freeway and are going 65 miles per hour. All of a sudden you hit some traffic. You’re now driving 10 miles per hour and you decide to change lanes. Whoops – bad move. The lane you change into slows down, and the lane you just left now goes faster. So you decide to change back to your original lane and the same thing happens to you again. You’re really frustrated and mad at yourself because you just made 2 bad decisions. Some people invest like they drive.

Primary topic: Financial Freedom

Financial Freedom

946 views

By Justin KraneRecently published1 topic

Is a Roth IRA Conversion for You?

When people ask for suggestions on financial planning opportunities, I tell them two words. Roth IRA. How great would it be if you didn't have to pay taxes when you take distributions from your retirement account when you retire? Maybe you could retire earlier! Or you may be able to save less for retirement! Maybe you could take 2 huge vacations in retirement rather than 1! So what are the advantages of a Roth IRA?

Primary topic: Financial Freedom

Financial Freedom

945 views

By Justin KraneRecently published1 topic

Inflation vs. You – Who Wins?

“Inflation is when you pay fifteen dollars for a ten-dollar haircut you used to get for five dollars when you had hair.” -Sam Ewing Remember when it used to cost $5 to go to the movies? How about gas prices at $2 a gallon? A stamp was 20 cents? Every year prices rise and things cost more money. That’s what inflation is all about. How much better would you feel if you weren’t consistently playing catch up with your money? Here are 6 things you need to address as a business owner when it comes to inflation: Fighting Inflation as an Entrepreneur

Primary topic: Financial Freedom

Financial Freedom

943 views

By Justin KraneRecently published1 topic

Crazy Busy? Got Time Management?

Solid time management skills will make your life much easier. Me: Hey how are you doing? How are things? Joe: Great. I am soooo busy. Crazy busy. Where does all of the time go? Me: How’s business? Joe: I’m doing really well. Just got back from New York. I have tons of things going on this week – a bunch of meetings and a few events. Hey I gotta run. Let’s catch up soon. I will find you on Facebook. Me: Sounds great. Be well. This happens all of the time. We are so busy being busy. And we love to tell people how busy we are.

Primary topic: Financial Freedom

Financial Freedom

941 views

By Justin KraneRecently published1 topic

Money Doesn't Always Buy Happiness

I rarely share stories I get via email but this one really touched me. It's one we should all remember when it comes to our lives and money. A man came home from work late, tired and irritated, to find his 5-year old son waiting for him at the door. "Daddy, may I ask you a question?" "Yeah sure, what it is?" replied the man. "Daddy, how much do you make an hour?" "That's none of your business. Why do you ask such a thing?" the man said angrily. "I just want to know. Please tell me, how much do you make an hour?" "If you must know, I make $50 an hour."

Primary topic: Financial Freedom

Financial Freedom

941 views

By Justin KraneRecently published1 topic

Upgrade Your Business Model

Is Your Business Model Generating More Money or More Stress? Business model, shmizz-ness model. I used to poo poo this term until I started studying how successful entrepreneurs think and really strategize their businesses. Your business model is basically how your business makes money. For example, how you attract prospects, convert them into clients and make a profit.

Primary topic: Financial Freedom

Financial Freedom

914 views

By Justin KraneRecently published1 topic

Our Deficit, Our Financial Future

Our deficit — still major, still huge. Over one trillion. To deal with our deficit, Obama is making the case for the Buffett rule to go into effect. It states that any taxpayer making over a million bucks should pay a minimum tax of 30%. Buffet made his case for this in a NY Times op-ed piece where he points out that most millionaires and billionaires like himself have effective tax rates lower than 30%.

Primary topic: Financial Freedom

Financial Freedom

910 views

By Justin KraneRecently published1 topic

Long Term Care Insurance

What if it was a requirement that you have a long term care conversation with your financial advisor on the same day you get your first colonoscopy? Talk about a double whammy! Did you know that nearly 40% of people over age 65 will spend some time in a nursing home? According to The Money Alert, for every 1000 people 5 will have a house fire, 70 will have a car accident, and 450 will need long term care.

Primary topic: Financial Freedom

Financial Freedom

892 views

By Justin KraneRecently published1 topic

Increase Your Net Profit

Confused about why your gross profit is high but your net profit is low? When the ladies get them they look real. But when guys get spray tans they look like Magda’s twin brother from the movie “There’s Something About Mary.” Spray tans last about 7 to 12 days. So if you are into this stuff, you have to go every 1 to 2 weeks. That’s a lot of tanning, and that’s a recurring fixed expense for you. Maybe that’s where all of your money goes. Do you ever ask yourself: Where does all of the money go? Why do I feel like I have no money?

Primary topic: Financial Freedom

Financial Freedom

890 views

By Justin KraneRecently published1 topic

Invest in Your Business or Retirement?

Whether To Invest in Your Business or Retirement. It’s Not an Either-Or. I get this question all the time from business owners about where to invest. Should you invest in your business or should you invest in an IRA for retirement? My simple shpiel? You have to do both. Then I hear this from other clients: Justin, I feel like I have no control over what happens to the stock market! I’d rather just put my money back into my business. I get it. I feel your sense of having more control in your business but . . .

Primary topic: Financial Freedom

Financial Freedom

886 views

By Justin KraneRecently published1 topic

Getting a Business Loan

Before You Apply For That Business Loan . . . The landscape certainly has changed for small businesses when it comes to getting a business loan. What used to be green terrain has become pretty barren and bleak. In fact, having access to capital is one of the biggest issues for small business today. But the day is going to come when your business needs a loan and it doesn't have to be all doom and gloom. Here are 6 things you need to prepare that will help with getting that business loan.

Primary topic: Financial Freedom

Financial Freedom

873 views

By Justin KraneRecently published1 topic

Hiring Employees: 4 Things for Your Must-Do List

Hiring employees? Do it the right way. You can’t build an empire all by yourself. You know that. You know you can’t wear all the hats because you’d drive yourself crazy trying to grow your business. So chances are, you’re hiring employees. Here are 4 things to put on your must-do list when hiring employees: 1. Create an Employee Handbook.

Primary topic: Financial Freedom

Financial Freedom

869 views

By Justin KraneRecently published1 topic

Selling Your Business for Retirement Funding

Not Selling Your Business? You Are Leaving Money on the Table Many of you business owners don’t realize that your business can be a great source for adding money to your retirement nest egg. Because of that, you don’t take the necessary steps and plans for selling your business as you near retirement. Talk about leaving money on the table! Selling your business before you retire is like falling into a boatload of cash with a lot of perks. It would allow you to spend more money now and not have to save as much.

Primary topic: Financial Freedom

Financial Freedom

869 views

By Justin KraneRecently publishedTopic pending

Should You Still Short Sell Stocks

The Dow was at 11,000 5 years ago. And as I write this, it’s at 11,000 today! The Dow’s price hasn’t changed but the amount of stock held short (basically people betting that stocks will go down. Read below for an explanation of how short selling works) is higher than 5 years ago (Data Explorers.) What’s up with that? Why are people betting against stocks? We have a U.S. economy that isn’t going well. Europe is trying to straighten itself out. Our government can’t get anything done. We have no job growth. And home prices are still trying to stabilize.

Primary topic: Recently published

Recently published

867 views

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