Ballard Spahr LLP’s Post

This week we got into the wonky portions of the municipal bond market discussing benchmarking and how a community's interest rate is set. Muni benchmarking has its problems and we document them in our report but overall it does look to be headed in a more transparent direction. Still, the importance of these data points as they relate directly to taxpayer dollars and investor statements has never been widely understood, IMO. Maybe Municipal Securities Rulemaking Board should put in place safeguards or some sort of watchdog should exist. You can read here: https://lnkd.in/eYvx7Ru2

Having trouble saving for emergencies? You're not alone! According to the Federal Reserve, many Americans struggle to cover unexpected expenses. But don't worry, there are ways to catch up. Start by trimming unnecessary expenses, setting up a high-yield savings account, or even taking on a side hustle for extra income. Remember, it's never too late to build your emergency fund and secure your financial future! #emergencyfund #financialsecurity #personalfinance #financial #finance #financialadvisor #emergencyfunds #emergencysavings #emergencysavingstips #emergencysavingsadvice #financialadvice #invest #investing #investment #investmenttips #investmentadvice #invetsmentadvisor #investmentadvisors #money #moneytips #moneyadvice #hudsonvalley #hudsonvalleyny

Institutions were informed they would receive FAFSA information by the end of January, which slowed down financial aid offers for some students. With the date now pushed to March, delays will continue to affect the financial aid process. 📅 Read more here: https://smpl.is/8lazm #FAFSA #FinancialAid #ISIRs #FederalStudentAid #FASIncNH

Kind of a huge sign that this person is being talked about. He is involved with setting the bond sales for the U.S. Government. The reason he is significant and important is the government uses these bond sales as borrowing to pay for our government financial losses. As our deficit, debt and total interest we have as a nation grows, his job becomes more and more important to find the right mix of bonds to keep bond rates as low as possible. You may be asking why is that important? The better job he does the less interest the government pays and the lower the impact on borrowing costs for consumers. #TheLakeC21 #Realtor #ClearLakeIowa #ClearLakeIA #lake #house #economics #investments #money #investing #ClearLake #Iowa #cabin #vacation #cottage #water #summer #houses #housing #Iowa #beautiful #optimism #garyv #garyvee #vaynerchuk #warrenbuffett #bonds #interestrates #loans

The 7 Levels of Wealth: Level 1: Living paycheck to paycheck Level 2: Budgeting money Level 3: Paying down debt Level 4: Saving an emergency fund Level 5: Investing Level 6: Multiple income streams Level 7: Financial freedom Money is a tool. Every dollar should be working.

The 7 Levels of Wealth: Level 1: Living paycheck to paycheck Level 2: Budgeting money Level 3: Paying down debt Level 4: Saving an emergency fund Level 5: Investing Level 6: Multiple income streams Level 7: Financial freedom Money is a tool. Every dollar should be working.

The 7 Levels of Wealth: Level 1: Living paycheck to paycheck Level 2: Budgeting money Level 3: Paying down debt Level 4: Saving an emergency fund Level 5: Investing Level 6: Multiple income streams Level 7: Financial freedom Money is a tool. Every dollar should be working.

7 Levels of Wealth: Level 1: Living paycheck to paycheck Level 2: Budgeting your money Level 3: Paying off debt Level 4: Saving an emergency fund Level 5: Investing Level 6: Multiple streams of income Level 7: Financial freedom Money is a tool and every cedis you own should be working for you. @everyone #YourNumberOneExtraIncomeAdvocate

If you had to dip into your rainy day fund recently, make sure to replenish your savings. Being prepared for minor, unexpected expenses can help you prevent situations where you are in a financial tough spot.