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The Absolute Greatest Loan Program in Louisville: Louisville Car Title Loans

Being in debt is one of the most complex experiences someone can face, especially in this economically difficult time. Louisville

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Americans could use a bit more discipline when it comes to saving money for their long-term goals, especially with all the distractions that arise day to day.About three out of four Americans say that the pace of society today makes it harder for them to stay focused on their long-term financial goals, according to a study by Northwestern Mutual.

Just achieving financial security is becoming more of a challenge, much less saving for retirement. Yet financial matters are the top areas in life where Americans do set goals. About 72 percent of those surveyed said they set financial goals, followed by 62 percent who set family goals and 57 percent who set fitness goals, the survey found.

And their financial goals aren’t exactly lofty. About 78 percent of those surveyed just want to maintain a comfortable standard of living in retirement and protect their income in the event of a disability, according to the Northwestern Mutual survey. Somewhat surprisingly, only 47 percent of respondents said their goal was to be rich, namely by having a “sizable investment portfolio,” the bank reported.And beyond financial goals, Americans are having trouble sticking to diet and fitness goals as well, despite greater awareness of the serious negative health effects of obesity.

There are reliable strategies than can help you stay focused, however. Setti

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For the first time in eight months, home prices in major U.S. cities increased slightly during the first quarter of 2011, according to new data from Standard & Poor’s.

But this is no return to the boom years of the housing bubble. More people buying homes locked in fixed rates rather than gamble with interest rates that may change over time. And more people refinancing their homes chopped their loan times in half, from 30 years to 15, suggesting a desire to pay more up-front for long-term stability.

“In short, better news, but still a lot of questions and a long way to go,” David M. Blitzer of S&P’s ratings agency, said in a press release.

In thirteen American cities, including San Francisco, Atlanta and Cleveland, home prices increased from March to April of this year. Washington, D.C. had the biggest change, with a 3% increase in home prices in just one month. Six cities, including hard-hit Las Vegas, Tampa and Miami, continued to watch housing prices fall. Detroit had the biggest fall, losing 2.9% of its average home value in April, according to the report.

Builders began construction of slightly more homes in May than they did in April, but the total number of new housing starts is still close to its 30-year low, S&P found. Sales o

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In the start-up madness of the dot-com era, various cash-challenged companies offered employees a piece of the future instead of current payroll or cash bonuses. That piece of the virtual profit pie – a stock option – had long been a method of compensation or bonuses for high-place executives.

Stock options may be one of the only survivors of the dot-com crash. According to the National Center for Employee Ownership, 10 million American employees now have stock options, as opposed to just 1 million in 1992. An estimated 20-25% of public companies offer options to the majority of their full- time employees, and a few offer them to part-timers as well.

A stock option grants an employee the right to buy a specific number of shares in the company at a fixed price the stock at the lower fixed price, then sell it at the current market price, realizing a gain.

Stock options may be nonqualified (meaning it doesn’t receive special tax treatment under the IRS code) or incentive (which do qualify for special treatment). When you exercise nonqualified stock options and then sell them, the gain is taxable as ordinary income. Full Post…

Personal information belonging to 34,000 investment clients of Morgan Stanley Smith Barney has been lost, and possibly stolen, in a data breach. According to two letters sent to clients, and obtained by Credit.com, the information includes clients’ names, addresses, account and tax identification numbers, the income earned on the investments in 2010, and—for some clients—Social Security numbers.

The data was saved on two CD-ROMs that were protected by passwords, according to the letters, but the CDs were not encrypted.

“There’s no evidence that there was any criminal intent here, or actual misuse of this information,” Jim Wiggins, a spokesman for Morgan Stanley Smith Barney, said in a phone interview.

The company mailed the CDs containing information about investors in tax-exempt funds and bonds to the New York State Department of Taxation and Finance. It appears the package was intact when it reached the department, but by the time it arrived on the desk of its intended recipient the CDs were missing, Wiggins said.

The state notified Morgan Stanley Smith Barney about the lost data on June 8. The company

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