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What To Expect From the Payroll Tax Holiday

By safeguard | October 15, 2020 |

Christmas came early this year. Well, sort of. In an effort to provide financial aid to millions of Americans in dire economic straits, President Trump declared a payroll tax holiday between September and the end of the year. Available to workers who earn $104,000 a year or less, this means that no FICA taxes will…

Americans and Their 401(k)s

By safeguard | September 25, 2020 |

A recent survey found that working households experiencing financial strain due to the pandemic have not been inclined to make withdrawals from their 401(k)s to help make ends meet. In fact, the vast majority haven’t even changed their rate of contributions. Instead, these households are relying on the “old standbys” of surviving during economic decline:…

Heat Wave: Power Bills and Power Options

By safeguard | September 18, 2020 |

During the U.S.’s initial spring lockdown, the weather was rather temperate in most areas of the country. By the time COVID-19 outbreaks started becoming more rampant nationwide, summer was in full swing. This made for uncomfortable conditions in terms of social distancing guidelines. For example, the pandemic forced hundreds of restaurants to seat more patrons…

Employers: Lessons From the Pandemic

By safeguard | September 11, 2020 |

We’ve learned a lot about infectious diseases this year, as well as how to adapt our lifestyles in response to a pandemic. It will be interesting to see if and how U.S. businesses adjust their operational models to account for the potential for future pandemics or other catastrophic events.   According to the employment-population ratio,…

What’s Going on in Real Estate?

By safeguard | September 4, 2020 |

Overall, the U.S. residential real estate market has held up fairly well so far during the global pandemic. Industry experts say that the current economic decline is expected to affect retirement a bit differently than the Great Recession, largely due to housing prices remaining strong in many areas of the country.1   One reason is…

The High Price of Health Care in America

By safeguard | August 28, 2020 |

If the U.S. health-care sector was a separate country, it would be the fourth largest economy in the world when measured by gross domestic product. Currently, the nation spends an average of $3.5 trillion annually on health care, more than Australia, Brazil, Canada, China, France, Germany, Italy, Japan, Spain and the United Kingdom combined.1  …

College Disrupted

By safeguard | August 20, 2020 |

Colleges all over the country have introduced incoming freshmen to orientation online, an entirely different experience. The online format offers several advantages in that more information can be presented and web pages bookmarked for future reference. This may be preferable to the barrage of information students normally receive during a seemingly rushed one-to-two-day orientation. However,…

Recovery: Covid-19 First, Then the Economy

By safeguard | August 7, 2020 |

The World Health Organization recently reported that while some countries have made effective inroads to contain COVID-19 within their borders, the pandemic is still well on the rise throughout the world.1   Perhaps one of the most debilitating impacts of today’s global economy is that one country’s problem is now every country’s problem. Because business…

U.S. Virus Response Compared to the World

By safeguard | August 6, 2020 |

The COVID-19 pandemic has been a struggle around the world, and the United States is no exception. It is worth looking at individual factors to gauge just where we stand now.   The foremost concern is how the U.S. is weathering the pandemic. Initially, the crisis was concentrated in larger urban areas, which makes sense.…

What the Increasing National Debt Could Mean

By Safeguard Investment | July 24, 2020 |

If you’d like to see a snapshot of what’s going on with national debt versus revenue, check out the U.S. Debt Clock.   While there’s a lot moving on one screen, you can take a look at individual blocks to see how much the U.S. takes in via tax revenues compared to what it pays…

What Might Be Next – Inflation or Deflation?

By teri | June 30, 2020 |

Consumer prices fell by 0.8% on a seasonally adjusted basis in April, the biggest drop in more than a dozen years, the Bureau of Labor Statistics reported. Conversely, prices for grocery items jumped 2.6%, the highest one-month increase in 46 years, with eggs rising by 16%.1   What’s going on here? Well, the devil is…

Post- Pandemic Job Market

By teri | June 17, 2020 |

While millions of workers have been laid off due to the coronavirus pandemic, many of those employers will be reopening and may or may not rehire those let go. Much depends on the direction of the outbreak: If it slows, then a phased rehiring could follow; if contagion ramps up, then many people could be…

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