Hartman Insurance Solutions

How Long Can High Rates Last? Bond Markets Say Maybe Forever Traders bet on a higher long-term funds rate than Fed. Neutral rate shift sets up a limit to gains in Treasury bonds.

Rich US Tourists Will Make Europeans Feel Poor Europe’s high living standards are at risk unless it does more to boost productivity and wealth creation.

Six Strategies For Making Smarter Decisions Most decisions we make are trivial. But for those that are important, it's importance to have a process to think things through.

AI Is Helping Scammers Outsmart You—and Your Bank Your “spidey sense” is no match for the new wave of scammers.

It’s Going to Cost More to Stay Cool This Summer Record-breaking temperatures and higher natural-gas prices are lifting electricity bills.

How bad could things get in France? The country’s next prime minister faces a brutal fiscal crunch

Take This 12-Item Quiz To Gauge Your Readiness To Invest In Stocks The Stock Market Readiness Quiz explores fundamental aspects of investing preparedness. The goal is to help you in making informed decisions.

We Gave My Dad a Good Death. Here’s What That Means. Taking a practical approach to planning a loved one’s deathbed can help you do your best when the time comes.

Ready, Set, College: Conversations To Ensure Your Student Thrives Use summer to prep your college-bound child: teach time management, financial skills, and independence while fostering open communication and building a support network.

Is Your Money Really Safe In An ‘FDIC-Insured’ Fintech Account? As demonstrated by the Synapse bankruptcy, FDIC insurance won't necessarily protect customers if a fintech implodes. Here's what you need to know.

Are Sellers Kidding Themselves About How Much Their Houses Are Worth? More home sellers are cutting prices and taking listings off the market as buyers reach the limit of what they can and will pay for a home. High prices and elevated mortgage rates have driven average monthly payments for home purchases to record highs.

To Fight Midlife Blues, Try Mastering Something Hard In today’s culture, we celebrate “life hacks” and shortcuts to good health and happiness, whether through supplements, fad diets, five-minute workouts or the short-lived dopamine hit of social media likes. Those expectations for immediate rewards can make it difficult to start something new an...

Stashing Cash at Home Is Sure to Create Headaches After their father died in 2021, Susan Camp and her brother cleaned out his home — and inadvertently threw out $5,000 in cash he had wrapped in aluminum foil and stashed in the freezer. (Luckily, they later retrieved it.)

3 Strategies the Wealthy Can Use to Limit Taxes and Preserve Assets for Their Heirs Rich individuals typically have multiple income streams, which can complicate tax planning.

Five Secrets To Positive Leadership A recent study showed that positive leadership is linked to working together toward a common goal.

Charting trade chokepoints: a how-to guide Understanding what our supply chains really look like could help make friendshoring a reality.

How to Vet the Financials of a Continuing-Care Retirement Community Due diligence can be difficult thanks to the communities’ complex business models, but prospective retirement community residents should review these key metrics before buying in.

Is There Really a Retirement Crisis? Most U.S. Retirees Say They’re Doing Just Fine. A new survey challenges conventional wisdom about retirement readiness, but underscores that many people face challenges with debt and emergency savings.

'Pay Off My Debt' TikToker Explains How Much Money He Made from His Viral Video and the Inspiration for the Trend Jake Burgett told Entrepreneur how he came up with the idea for the personal finance trend "Pay Off My Debt" sweeping social.

What Kind of Loan Debt Isn't Alleviated When You File for Bankruptcy? While bankruptcy can free you from many debts, some types of loans will not be alleviated

When Companies Ask for Your Social Security Number, Try Saying No Giving out your SSN puts you at greater risk of having your identity stolen. And often, the companies don’t really need it.

How Much Happiness Can Your Salary Buy? Researchers Can’t Agree When it comes to income, is there a magic number?

Virtual living rooms, adult ‘after-school clubs’ and AI lovers: my search for a fix to modern loneliness He waded through the deluge of academic and Silicon Valley offerings for connection – here’s what was most appealing.

How a Retirement Withdrawal Can Lead to a Perjury Conviction Sometimes it’s illegal to spend money that you set aside for yourself.

The Power of Networking — 5 Tips on Building Strategic Alliances for Business Growth Who is on your side? Who has your back? It doesn't have to be lonely at the top. We look at five practical ways you can network to achieve the best for you and your business.

Dow 40,000, Dow 50,000...Dow One Million? The markets have been even more interesting than usual.

How to Build Your Retirement Paycheck—and Make It Last: Here's how to know if an annuity is right for you. When it comes to retirement, many Americans are on their own. They've saved diligently for years and have to figure out how much they can spend each month to make their money last as long as they expect to live.

What’s Changed in Corporate America Since George Floyd’s Murder? Four years after Floyd’s murder, DEI has become a flashpoint. Have job opportunities changed?

A Billionaire Handed Graduates $1,000 Cash. Here’s Where It Went. They are putting the money toward student debt, vacations and animal shelters.

Sinking volatility rings cross-asset complacency warning If you want evidence of how much the ‘soft landing’ narrative is driving bullish investor sentiment, look no further than benchmark measures of implied volatility.