David Lerner Associates: Five Things You Should Share With Your Investment Advisor
The more information you share with your investment advisor about your personal financial situation, the more equipped your advisor will be to help you meet your financial and investment goals.
David Lerner Associates, Inc. Announces Apple REIT Seven Results
Apple REIT second quarter 2011 results filed with SEC and now available online
What's In a Name?
Since the day the firm was founded nearly four decades ago, David Lerner has stood for honesty and integrity in all his dealings with clients and throughout the investment community.
The David Lerner Associates Investment Philosophy
The David Lerner Associates investment philosophy is based on the belief that somewhere between the extremes of investments with very low levels of volatility and risk and investments with high degrees of volatility and risk, there lies a sensible middle ground.
David Lerner Associates Announces the Proposed Sale of Apple REIT Six Inc. to BRE Select Hotels Corp
David Lerner Associates, a financial investment company headquartered in Syosset, NY., recently welcomed the Apple REITs Companies' announcement of the proposed sale of Apple REIT Six, Inc. (the "Company" or "Apple Six"), a real estate investment trust (REIT), to BRE Select Hotels Corp, an affiliate of Blackstone Real Estate Partners VII. The total transaction value, including transaction costs and the assumption or repayment of Apple REIT Six, Inc. debt, is approximately $1.2 billion.
David Lerner Associates: 2013 Social Security COLA Less Than Half of 2012 Amount
The Social Security Administration (SSA) announced that the Social Security cost-of-living adjustment (or COLA) for 2013 will be just 1.7% -- less than half of the adjustment that was made for 2012.
David Lerner Associates - Black Swan Investing: Counting on Catastrophe
Investors have a name for those once-in-a-blue-moon events that rock investment markets--whether it’s the collapse of the Greek economy or the 9/11 terrorist attacks. Events like these are referred to as Black Swans
David Lerner Associates: Does it Cost More to Be a Woman?
Women face a number of financial challenges that appear to be unique to their gender. These go beyond earnings-an area where, according to the U.S. Census Bureau women still tend to lag behind men, on average - to the area of credit card management and even everyday purchases.
David Lerner Associates: Women and Financial Literacy
Recent studies indicate that we may be facing a financial literacy crisis in the United States today. This is somewhat ironic, given that the world of finance and investing is arguably more complex today than ever before.
David Lerner Associates: The Crisis in Women’s Financial Literacy
The word "crisis" seems to be used very loosely today, but it might be the right word when it comes to the current state of financial literacy among U.S. adults.
David Lerner Associates: How to Close the Financial Literacy Gap
One of the most concerning findings of the Financial Finesse study is a reversal in what was a positive trend with regard to women paying off credit card debt. Between 2009 and 2011, women made steady progress in paying off credit card debt in full, but this trend changed course earlier this year.
David Lerner Associates: Financial Literacy, the Gender Gap
This is the third in a series of articles discussing the importance of financial literacy for women.Several recent studies have suggested that there may be a significant “gender gap” between men and women when it comes to financial literacy. This may even include women with college degrees.
David Lerner Associates: Beyond Politics - Women and Financial Literacy
There is one topic some people say hasn't received a lot of attention from either party during the political season -- the "gender gap" between men and women when it comes to financial literacy.
David Lerner Associates: Retirement Plan Contribution Limits Increasing for 2013
Each year the federal government considers making inflation adjustments to the maximum amount of money that can be contributed annually to qualified retirement plans like Individual Retirement Accounts (IRAs) and 401(k)s. The IRS announced that the annual contribution limit for IRAs would be increasing in 2013 for the first time in five years.
David Lerner Associates : Ready for Retirement?
In 2011 the first wave of baby boomers hit the traditional retirement age of 65. Over the next 19 years another 10,000 baby boomers will turn 65 every day, according to the Pew Research Center
David Lerner Associates: Inheriting a Retirement Account
Inheriting a retirement account can feel like winning the lottery. That's the good news. The bad news is that not following the hard-and-fast rules governing inherited retirement accounts can result in much of that windfall going to the taxman.
David Lerner Associates: Should You Take A Lump Sum Pension Offer?
Recently, some large U.S. companies have offered to buy out the pension benefits of their workers and retirees by giving them one-time, lump-sum payments instead.
David Lerner Associates Announces Launch of Spirit of America Income & Opportunity Fund
The fund, officially launched on Independence Day, features an aggressive approach to income-oriented products along with the flexibility to take advantage of opportunities based on changing economic conditions.
David Lerner Associates: The Importance of Building an Emergency Savings Fund
Many personal financial planning experts suggest that individuals make building an emergency savings fund one of their top financial priorities, More than a quarter of Americans do not have any emergency savings at all.
David Lerner Associates Financial Resolutions In Your 40s
The good news if you're in your 40s is that you may be entering your peak earning years - especially if both you and your spouse are working.
David Lerner Associates News: Are Municipal Bonds a Smart Investment in 2014?
Municipal bonds have long been popular investments among some individuals due to their tax-free status and income-generating properties. Earnings from muni bonds are generally exempt from federal income tax, as well as state and local income tax for residents in the state in which they live.
David Lerner Associates News: What Should You Do With Your Tax Refund?
Many people view their tax refund as free money. A tax refund is your money that you essentially loaned to the government by having more tax withheld from your paycheck than was necessary.
David Lerner Associates News: 5 Financial Goals Before You Reach 40
The 40s are generally considered to be the beginning of middle age. It's a critical stage for setting yourself up financially for the second half of your life
Women and Wealth Management: Is There a Gender Gap?
A new study conducted by Boston Consulting Group indicates that women believe they receive a lower quality of wealth management service than men do.Over half (55 percent) of the women who responded said their wealth manager could do a better job of advising them than he or she was currently doing.
David Lerner Associates: Early 401(k) Withdrawals: A Troubling Trend
When people take money out of their 401(k) plan early, not only are they paying a heavy price in penalties and taxes, but they're also potentially jeopardizing their future retirement security.
David Lerner Associates: 3 Steps to Help Prevent Financial Fraud
Research shows older Americans are especially vulnerable to fraud. Here are three strategies to help distinguish between legitimate and fraudulent investment opportunities.
David Lerner Associates: Evaluating Risk Tolerance
All investments have some level of risk, and if you're planning to invest your money, it's important to become familiar with how much volatility you can endure.
David Lerner Associates: "Qualified plan" - What does it mean?
There are numerous different types of qualified plans, but they all fall into two categories. The advantages you receive from the plan depend upon investment performance.
David Lerner Associates: Helping pay for your Grandchildren's education
Tuition payments made directly to a university aren't considered taxable gifts, no matter how large the payment. But this is true only for tuition, not room and board, books, or fees. Find out more...
David Lerner Associates: Life Insurance as an Asset
Life Insurance doesn't have to be an expense. It can be viewed as an asset that will eventually provide a return on your investment.
David Lerner Associates Hosts Save for Retirement Week Seminars
October 19- 25 is National Save for Retirement Week. The purpose of this week is to raise public awareness about the importance of saving for retirement.
David Lerner Associates: National Family Caregivers Month
As National Family Caregivers month draws to a close this week, David Lerner Associates takes a look at the ways to prepare, in case you have to be a family caregiver in the future.
David Lerner Associates: Comprehending Investment Terms and Concepts
When you decide to start investing it's always wise to understand what you're investing in. The better you comprehend the information you receive, the more comfortable you will be with the course you've chosen.
David Lerner Associates: Mutual Fund Fundamentals
We often hear that an investment portfolio should include a mutual fund. But what exactly is a mutual fund?
David Lerner Associates: Mutual Fund Basics
There are many mutual funds to choose from. The two most common types are stock mutual funds and bond mutual funds. Find out more in this article on Mutual Fund Basics.
David Lerner Associates: 6 Reasons to Work with a Financial Professional
No matter what stage of life you're in you could probably benefit from working with a financial professional. Here are six reasons why.
David Lerner Associate:: Women and Finances
Women tend to live longer than men, so most women are likely to be responsible for their own financial welfare at some point in life. So it's important for women to understand their financial options.
Women and Retirement Planning
National Retirement Planning Week is of particular interest to women. Because their careers are often interrupted to care for children or elderly parents, women may spend less time in the workforce and earn less money than men in the same age group.
David Lerner Associates: Trust Basics
With a trust you can control how your assets are distributed once you've passed on or perhaps help you plan for the possibility of becoming incapacitated. The power of a trust lies in its versatility--there's a type of trust for almost every situation.
David Lerner Associates: Saving for Retirement
With thousands of investment possibilities and the complex rules governing retirement plans, most people don't even know where to begin.
David Lerner Associates: The Sensible Middle Ground of Investing
Investors in the stock market have been on somewhat of a roller-coaster ride recently. It is one thing to experience the thrill of a sudden drop at the fairground but quite another when it's your investments that take a tumble. We believe in something that we call the 'sensible middle ground of investing.'
David Lerner Associates: The Best Place to Work Might be at Home
As technology advances and removes the barriers to remote work, telecommuting jobs are on the rise. The number of people working fro home is expected to increase by 63 percent in the next five years.
Comparison of College Savings Vehicles
A comparison of all the college savings vehicles available.
David Lerner Associates: The Pros and Cons of Robo-Advisors
A robo-advisor, or automated investment service, is an online wealth management service that provides automated, algorithm-based portfolio management advice without the use of human investment advisors. Sounds impressive, but what are the benefits versus the drawbacks?
Yahoo Finance: Apple Hospitality REIT positive on lodging cycle
The travel and tourism business is well over $1.5 trillion in the U.S., and hoping to get a piece of that through real estate is Apple Hospitality REIT (APLE), the largest public owner of upscale, select-service hotels.
Apple Hospitality (APLE) announces 2015 4Q and annual earnings conference call
Apple Hospitality REIT, Inc. announced today that it plans to report fourth quarter and full year 2015 financial results after the market closes on Thursday, February 25, 2016, and host a conference call for investors and interested parties on Friday, February 26, 2016, at 9AM Eastern Time, to discuss the results.
David Lerner Associates: How to Build an Emergency Fund
Creating a healthy emergency fund can be a lofty and intimidating goal. But in these uncertain economic times, such a fund is needed more than ever yet almost two-thirds of Americans are not prepared to for unexpected expenses.
David Lerner Associates: Sound Investment Strategies
Building a healthy investment portfolio requires some well-thought-out strategies and a smart investment mindset. It requires financial literacy. Whether you are a new investor or a seasoned veteran, here are some tips that could improve your chances of a creating a successful investment portfolio.
David Lerner Associates: Financial Education is Your Best Investment
Ignorance can be costly, especially when it comes to your financial literacy. Investing time and energy into financial education could be one of the best investments you can make.
David Lerner Associates: Deadly Investment Mistakes
Making investment mistakes can be very costly for obvious reasons, and so they should be avoided if possible. Workers and retirees have been shouldered with an increased burden of taking personal responsibility for their own retirement and savings. Here are some "deadly investment sins" that should be avoided.
David Lerner Associates: Financial Equality in Marriage
Getting married is a very emotional moment. There is so much to do and organize that how you're going to deal with your finances after you're married is often not a major thought. However, once the honeymoon is over and you're settling down to everyday life, this can become one of the most contentious aspects of a marriage.
David Lerner Associates: How to Prevent Investment Fraud
According to the FBI there were over 1,800 cases of investment fraud in 2011, to the tune of $36 million in recoveries. That's just the amount they were able to recover, which gives you an idea of how big this problem really is. And according to current estimates, that trend will only increase with access to more sophisticated technology by fraudsters. Here are tips to avoid falling victim to these kind of scams.
Maintaining Financial Stability in Economic Uncertainty
The recession (meltdown) of 2008, was a big wake-up call for everyone. Fortunately, the collective anxiety that we experienced being on the brink of another Great Depression has passed, and the world's economy has recovered over the past 8 years. But we shouldn't forget the lessons that recent history has taught us. Here are some things that can be done to weather a potential financial storm.
David Lerner Associates Welcomes Merger Announcement of Apple Hospitality REIT and Apple REIT Ten
David Lerner Associates, a privately held securities broker dealer headquartered in Syosset, New York and the managing dealer of the SEC registered Apple Real Estate Investment Trust (REIT) programs, announced today that it welcomes the recent merger announcement of Apple REIT Ten and Apple Hospitality REIT, Inc. (NYSE: APLE)
Women and Men Think Differently About Finances Too
"Women are from Venus, men are from Mars" has become a saying embedded in our vocabulary. It indicates that women and men see things differently and have a different approach to many aspects of their lives. Finances, it appears, is one of these areas.
5 Ways to Fix Your Retirement Fund Shortfall
When you hit your 40s or 50s the idea of retirement (which seemed so far off in your 20s) is suddenly right around the corner. If you've reached this age and have not been diligently socking away money for retirement, there are some things you can do to fix the problem.
Smart Money Lessons from the Very Wealthy
We believe that when someone shows success in a field we could learn a thing or two from them. A master craftsman knows how to create beautiful objects, and a professor with a doctorate degree can teach his students well. This idea holds true in the field of finances too - those who have made a lot of money know things that could help the rest of us do better.
Nervous Decisions are Costing Investors Money
The stock market is always moving up or down. The aim of all investors is to make money, but a recent study found that the roller-coaster nature of the market can lead some investors to make rash decisions that may cost them a lot of money.
Reaching Goals of Financial Success
Saving for retirement, taking care of one's family, eating healthier, exercising more - these are goals that a lot of people have. Sometimes it's difficult to achieve those goals when temptations lead us astray. We want to save for retirement, but then we conveniently forget our budget constraints when making a purchase.
10 Questions for Your Retirement
The old fashioned idea of working for 40 years, retiring with a good pension, and a comfortable retirement is no longer the norm. For older Americans who are nearing retirement age, there are many factors to consider.
Lessons Boomers Could Learn From Millennials
There is a tendency of older, wiser folk to dismiss the views of a younger generation. However, Millennials may be able to teach Boomers some valuable lessons about how to manage money.