fbpx
Howe & Rusling Wealth Management

COMMUNICATIONS

I-Bonds

I-Bonds

In the face of rising rates and inflationary pressures, inflation-protected US Savings bonds have become more mainstream.

read more

Street$marts: A Few Considerations to Help Prepare for a Business Sale

In today’s episode we are going to be discussing a few key items that might prove useful when preparing to sell a small business. When developing an exit strategy, the first recommendation is always to start early. It takes time, energy, and capital to create the right exit plan for your business. Having “enough room to run” will certainly help you in this endeavor.
The area which business owners generally fixate on, for good reason, is the “sales price”. So, what can a business owner do to finesse a more desirable selling price? Let’s talk about a few simple strategies to employ.

read more
Top 5 Reasons to Have a Will

Top 5 Reasons to Have a Will

Having a will is one of the most important things you can do to avoid added stress on families during an already emotional time. Not only can a will legally protect your spouse, children, and assets, but it specifically outlines how you would like your estate distributed and ensures your estate will not end up in the wrong hands

read more
Street$marts: Credit Card Rewards and How to Think About Them

Street$marts: Credit Card Rewards and How to Think About Them

If you are using a debit card, you’re spending money and not getting anything back in return. It’s like paying with a check. When you use a credit card though, every time you pay for shopping online, eating at a restaurant, groceries, or other day-to-day expenses, you’re likely earning valuable points and miles that can be used in a variety of ways!

read more
Market Outlook Summer 2022

Market Outlook Summer 2022

Double, double whammy. After two years of endless concern from a once-a-lifetime pandemic (let’s hope), and the clouds just starting to part, barely, we get hit with an unruly market bent on testing our already fragile mindsets; Double Whammy #1.
If this isn’t enough, let’s toss in inflation exhibiting the endurance of a marathon runner, coupled with rising interest rates increasing borrowing costs to businesses and consumers with higher rates on mortgages, car loans, credit cards, home equity and improvement loans, and personal loans of all types. When you can’t buy a new home, or a car, because of limited supply, now you can’t afford them from a budget perspective. Double Whammy #2.

read more
Market Insights: Calling a Recession

Market Insights: Calling a Recession

When GDP growth slows and extreme volatility plagues the market, we are often confronted with a familiar question…are we headed for a recession or are we already in one? The usual definition of a recession may make it seem clear-cut: two consecutive quarters of contracting GDP. However, to the “recession referees” of the National Bureau of Economic Research’s Business Cycle Dating Committee, the real definition is a little more nuanced.

read more
Helpful Tips from H&R: Should You Buy Now, Pay Later?

Helpful Tips from H&R: Should You Buy Now, Pay Later?

BNPL stands for Buy Now Pay Later. In a BNPL transaction, the consumer pays for the transaction amount in smaller increments over time until the total transaction amount is reached. Over the past several years, BNPL has taken share from more traditional payment methods in the global payments ecosystem. BNPL is often marketed as a new payment method. However, it is merely a simple repackaging of an old idea – installment payments.

read more
Street$marts – Five Ways to Raise Financially Savvy Kids

Street$marts – Five Ways to Raise Financially Savvy Kids

You’ve probably read an article on the trendy “Things I Wish I’d Learned in High School.” Popular choices include basic finance like budgeting, how to use credit, saving and investing. While these topics may very well be valuable if taught in high school, you’ll give your kids a stronger foundation if you start them much younger. Follow these tips and they’ll be the ones teaching their high school peers all about the Benjamins.

read more