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Near about 28% retirees turn to the Association of Independent Consumer Counseling Agencies for financial guidance. Studies reveal that a large percentage of senior citizens hold a massive amount of credit card debt, mortgage obligations as well as pending student loan payments.

Ian Harper, a member of the 1997 financial system inquiry, discusses that the panel of the new inquiry will have to tackle the challenges posed by technology to the banking system. He explained that the entry of Internet banking, Smartphones, tablets and apps have changed its landscape dramatically.

What I wanted to do is provide you with a view of the forest as a family office advisor. There is a financial times article that came out recently that had some numbers in it about the industry that I did not really agree with. At lots of conferences I hear people say things I do not really agree with about the industry. I have met in person face to face with over a thousand family offices now, I know over 50 billion dollar families. So we have a lot of perspective of the forest of what is going on within the industry.

There have been numerous debates on the topic of financial astrology and people have always been divided into two sides: those who believe and spend money on specialized finance astrology software and books, on one side, and those who do not trust these visions from the lack of courage and wisdom, on the other side. In order to avoid admitting that there are superior forces unknown by some and that certain persons have successfully and fruitfully harnessed these forces from an economic point of view, many traders simply ignore astrology experts, although some results and facts are getting harder and harder to be ignored. When it comes to searching for reasons that lead people on the path to purchasing books or courses on this topic, there are many aspects to be taken into account.

The fact that astrology has quantifiable effects on human life has been proven many times and, in the past years, experts have pointed out that the influence of astrology expands not only on a personal level, but also on a professional one. Just like the movements of celestial bodies dominate individuals, they can also influence entire societies and fields such as finance. The practice that is based on this principle is called financial astrology and, like the term suggests, it follows the connection between planets and finance. It became widely known in the first half of the 20th century, when astrologer WD Gann revealed an algorithm that helped him start successful trading actions by basing his decisions on planetary movements.

Your Medicare coverage pretty much stops at the U.S. border. There are only a few exceptions to this policy. I’ll cover those with a few more comments.

Whether you send money from one bank to the other or exchange information or trade securities, at some point in this process a SWIFT message will be exchanged. The acronym stands for Society for Worldwide Interbank Financial Telecommunication and is essentially a protocol for banks to talk to each other. SWIFT MT are the messages that exist since the 70’s and identify the different “sentences” that the banks or other financial institutions will exchange with each other. They are identified by three letters (e.g. MT103, or MT505) each one representing a different message.