For couples looking to take their relationship to the next level, moving in together can be an emotional—and financial—game changer.
"When you live together, you are in a financial commitment," says Shelly-Ann Eweka, a Denver-based adviser with financial services company TIAA. And money issues can damage those romantic bonds: 24% of Americans said they've ended a relationship over money and 58% said they would rather be single than have a financially irresponsible spouse, according to a December 2016 survey by financial planning platform LearnVest.
With some open discussion, planning and even some legal help, cohabiting couples can set themselves up for a greater chance of domestic bliss. Here are the steps to take:
Talk frankly about finances. Share credit reports, disclose details on any debt and discuss each of your savings goals, advises Melinda Opperman, a spokeswoman for credit counseling agency Credit.org. "Live-in couples need to be tackling life as a team," she says. "If you're not fully forthright, it could add to frustrations later on." Financial conversations can be challenging, particularly if both parties have different spending styles. If you don't agree with your partner's approach, sandwich any criticism between two positive statements, says Jennifer Thomas, a psychologist and co-author of When Sorry Isn't Enough: Making Things Right with Those You Love. Couples should have periodic check-ins about money, she says, and if something specific about a partner's spending habits is particularly frustrating, it's important to speak up about that as early as possible. Otherwise "you could develop contempt for your partner," she says.
Best Financial Stocks To Invest In 2019: Saratoga Investment Corp(SAR)
Advisors' Opinion:- [By Shane Hupp]
Media stories about Saratoga Investment (NYSE:SAR) have trended somewhat positive on Friday, Accern Sentiment Analysis reports. The research firm rates the sentiment of press coverage by reviewing more than 20 million blog and news sources in real-time. Accern ranks coverage of companies on a scale of negative one to one, with scores nearest to one being the most favorable. Saratoga Investment earned a daily sentiment score of 0.07 on Accern’s scale. Accern also assigned press coverage about the financial services provider an impact score of 45.7589775169552 out of 100, indicating that recent press coverage is somewhat unlikely to have an impact on the stock’s share price in the immediate future.
- [By Logan Wallace]
ValuEngine downgraded shares of Saratoga Investment (NYSE:SAR) from a buy rating to a hold rating in a research report released on Wednesday.
A number of other analysts have also issued reports on the stock. National Securities reiterated a neutral rating and set a $24.00 price target (up from $23.00) on shares of Saratoga Investment in a research note on Friday, January 12th. Zacks Investment Research lowered shares of Saratoga Investment from a hold rating to a sell rating in a research note on Friday, March 2nd. Finally, B. Riley initiated coverage on shares of Saratoga Investment in a research note on Tuesday, March 27th. They set a buy rating and a $23.50 price target on the stock. Four investment analysts have rated the stock with a hold rating and four have assigned a buy rating to the company. Saratoga Investment presently has a consensus rating of Buy and an average price target of $24.38.
- [By Logan Wallace]
Shares of Saratoga Investment Corp (NYSE:SAR) reached a new 52-week high and low on Friday after an insider bought additional shares in the company. The stock traded as low as $22.95 and last traded at $22.85, with a volume of 650 shares. The stock had previously closed at $22.70.
Best Financial Stocks To Invest In 2019: Gladstone Commercial Corporation(GOOD)
Advisors' Opinion:- [By Max Byerly]
Goodomy (CURRENCY:GOOD) traded 7.9% lower against the dollar during the twenty-four hour period ending at 15:00 PM ET on September 25th. Goodomy has a total market cap of $909,583.00 and $32.00 worth of Goodomy was traded on exchanges in the last day. One Goodomy token can now be purchased for $0.0015 or 0.00000023 BTC on popular cryptocurrency exchanges. Over the last seven days, Goodomy has traded down 2.7% against the dollar.
- [By Shane Hupp]
Goodomy (GOOD) is a PoW/PoS token that uses the Scrypt hashing algorithm. Its launch date was June 21st, 2017. Goodomy’s total supply is 888,000,000 tokens and its circulating supply is 620,508,777 tokens. Goodomy’s official Twitter account is @GoodKarmaCoin and its Facebook page is accessible here. Goodomy’s official website is goodomy.com.
- [By Max Byerly]
Goodomy (GOOD) is a PoW/PoS token that uses the Scrypt hashing algorithm. Its genesis date was June 21st, 2017. Goodomy’s total supply is 888,000,000 tokens and its circulating supply is 620,508,777 tokens. Goodomy’s official Twitter account is @GoodKarmaCoin and its Facebook page is accessible here. Goodomy’s official website is goodomy.com.
- [By Joseph Griffin]
Good Energy Group (LON:GOOD) issued its quarterly earnings data on Tuesday. The company reported GBX 10.80 ($0.14) EPS for the quarter, Bloomberg Earnings reports. Good Energy Group had a net margin of 1.46% and a return on equity of 7.08%.
- [By Joseph Griffin]
Gladstone Commercial Co. (NASDAQ:GOOD) – Equities research analysts at Wedbush lowered their Q3 2018 earnings estimates for shares of Gladstone Commercial in a report released on Thursday, August 9th. Wedbush analyst H. Coffey now forecasts that the real estate investment trust will post earnings of $0.39 per share for the quarter, down from their prior estimate of $0.40. Wedbush currently has a “Neutral” rating on the stock. Wedbush also issued estimates for Gladstone Commercial’s Q1 2020 earnings at $0.38 EPS and Q2 2020 earnings at $0.38 EPS.
Best Financial Stocks To Invest In 2019: CME Group Inc.(CME)
Advisors' Opinion:- [By Chris Hill]
Gross: I got CME Group (NASDAQ:CME), ticker CME. Operates the world's largest futures and options exchange. They're in a great position to either innovate or acquire assets to grow. They take a little toll for every transaction that goes across their platform. Institutions managing risk, derivatives are more important than ever, which is good for their business. They pay a 3.6% yield, including a special dividend that they typically pay on an annual basis. Trading volumes are skyrocketing. The business is strong.
- [By ]
Sure, I will invest more in certain high-confidence picks than others, but without going overboard. This might limit the impact from a triple-digit winner in my High-Yield Investing portfolio, such as CME Group (Nasdaq: CME), where we are showing a 156% gain at last count, but it will also soften the blow from a laggard.
- [By Ethan Ryder]
Cashme (CURRENCY:CME) traded 0.1% lower against the dollar during the twenty-four hour period ending at 15:00 PM ET on September 8th. Cashme has a total market cap of $0.00 and $0.00 worth of Cashme was traded on exchanges in the last day. One Cashme coin can now be purchased for $0.0003 or 0.00000003 BTC on popular cryptocurrency exchanges. Over the last seven days, Cashme has traded up 55.3% against the dollar.
- [By ]
My pick this week has created a faster, more centralized marketplace for bond traders... and it's led by a guy who once worked the trading floors of the Chicago Mercantile Exchange (CME). Better yet, recently passed regulations could force traders' hands in joining this new system.
- [By Shane Hupp]
Edgestream Partners L.P. purchased a new position in CME Group Inc (NASDAQ:CME) in the second quarter, according to its most recent 13F filing with the Securities and Exchange Commission (SEC). The firm purchased 2,466 shares of the financial services provider’s stock, valued at approximately $404,000.
Best Financial Stocks To Invest In 2019: Univest Corporation of Pennsylvania(UVSP)
Advisors' Opinion:- [By Max Byerly]
Univest Co. of Pennsylvania (NASDAQ:UVSP) was downgraded by equities research analysts at BidaskClub from a “sell” rating to a “strong sell” rating in a report released on Wednesday.
- [By Stephan Byrd]
Get a free copy of the Zacks research report on Univest Co. of Pennsylvania (UVSP)
For more information about research offerings from Zacks Investment Research, visit Zacks.com
- [By Shane Hupp]
Get a free copy of the Zacks research report on Univest Co. of Pennsylvania (UVSP)
For more information about research offerings from Zacks Investment Research, visit Zacks.com
Best Financial Stocks To Invest In 2019: NBT Bancorp Inc.(NBTB)
Advisors' Opinion:- [By Max Byerly]
Get a free copy of the Zacks research report on NBT Bancorp (NBTB)
For more information about research offerings from Zacks Investment Research, visit Zacks.com
- [By Stephan Byrd]
Get a free copy of the Zacks research report on NBT Bancorp (NBTB)
For more information about research offerings from Zacks Investment Research, visit Zacks.com
- [By Ethan Ryder]
NBT Bancorp (NASDAQ:NBTB) was downgraded by analysts at BidaskClub from a “buy” rating to a “hold” rating in a note issued to investors on Saturday.
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