Ashford Creative Wealth Newsletter - September 2009

To view this month's newsletter, please click on the PDF file located at the bottom of the page.

This month's newsletter features the following articles:

The Debt Divide

The government bailed out financial institutions so they could continue lending to consumers. But even with the cash infusion, lenders are reluctant to make loans to people who can’t make payments. And surprisingly, consumers are reducing their debt and saving more, instead of borrowing. This doesn’t please some politicians and economists who believe the key to economic recovery is re-establishing a healthy credit system.

What are the pros and cons of credit in our economy? Is it different for individuals as opposed to businesses or governments?

Going forward, your response to lending and borrowing may be critical to your long-term financial well-being. Which side of the debt divide are you on?

A Unique Asset Class

Is Whole Life insurance a protection asset or an accumulation asset? Both? Neither? A thought-provoking new report says Whole Life as an asset class is in a category by itself, and requires a different kind of evaluation when considering whether it should be part of your financial portfolio.

Homeownership in the United States

A quick Financial Literacy Quiz about homeownership in America, both today and in the past. In keeping with our main article on debt, there’s an interesting connection between the rise of mortgage financing and homeownership as well.

Related Documents

Ashford Creative Wealth Newsletter - September 2009

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** Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS), Two Ravinia Drive, Suite 750, Atlanta, GA 30346. Securities products/services and advisory services are offered through PAS, a registered broker-dealer and investment advisor, (770) 390-2600. Financial Representative, The Guardian Life Insurance Company of America (Guardian), New York, NY. PAS is an indirect, wholly owned subsidiary of Guardian. Ashford Advisors is not an affiliate or subsidiary of PAS or Guardian.
PAS is a member FINRA, SIPC.

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