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Little Rock’s latest tech a boon for real estate agents Before Listing Village, real estate agents were apt to lose buyers in the throws of the internet – thanks to sites like Zillow and Truila. But now agents can have “their own personal Zillow” when they utilize all Listing Village has to offer. See how the company plans to put not only agents and homebuyers on the map – but Little Rock at large on page 13. (Photo by Becca Bona)
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From the Law Library: Arkansas Civil Rights Act of 1993 by ALY X VAN N E SS
The Civil Rights Act of 1964 catalyzed a movement of statelevel civil rights law in the years following its passage, but it wasn’t until the 1990s that Arkansas rectified the lack of such a law in its own books. Act 962 of 1993, also known as the Arkansas Civil Rights Act of 1993, was the first civil rights act in Arkansas that covered discrimination based on race, religion, national origin, gender, or disability. Although novel to Arkansas, civil rights laws had been addressed by the rest of the country in the thirty years since the Civil Rights Movement. Some of the earliest civil rights legislation on the federal level dates back to the Reconstruction Era when in 1871, 42 U.S.C. § 1983 was enacted. A direct reaction to the violence incited by the Ku Klux Klan, Section 1983 intended to provide a civil remedy against these abuses. In reality, its protection depended on persons charged with enforcing the law being able
and willing to do so, making it largely ineffectual. Over a century later, Arkansas threw its hat into the civil rights ring when then-Governor Bill Clinton was running for President in 1992. Several national news organizations criticized his pro-civil rights stance, citing Arkansas’ absence of a civil rights act. Other candidates, including President George Bush, adopted the criticism as their own. Clinton had tried to pass civil rights legislation before; in 1991, a bill mirroring Section 1983 was introduced during the legislative session with the Senate’s approval. However, it was drafted too broadly and was aimed at violations by the state and hate groups, making incidents of harassment, intimidation, or violence against people belonging to certain groups unlawful. Once introduced in the House, it met strong political opposition. The Arkansas Chamber of Commerce was concerned with several aspects of the bill, arguing that certain portions overstepped even what was
enacted under federal law, and the organization worried that this overreach would discourage businesses from locating to the state. The Arkansas Chamber of Commerce introduced its own bill, but its introduction resulted in a political stalemate. As a consolation prize, the Senate created a commission to consider creating civil rights legislation during the next session. During that next session in 1993, Act 962 of 1993 was passed. The bill’s passage sparked heated debates among legislators. They argued whether discrimination should include disability and homosexuality, on placing a cap on damages, if the number of employees at a business should determine the act’s coverage, and on the inclusion of language addressing hate crimes and housing discrimination. Even after its passing, most Arkansans reportedly did not feel it necessary for the state to have a civil rights bill. Many residents believed the bill was passed in reaction to national criticism, and Arkansans did not believe the act would be successfully enforced. Confirming this popularly held opinion, very few cases were filed by litigants citing the Arkansas Civil Rights Act of 1993 in the years after. Although the act gave Arkansans several advantages
over similar federal laws, the act left significant areas uncovered. Some gaps included the enforcement of accommodations for people with mental and physical disabilities and the inclusion of age discrimination. Instead, plaintiffs – and their attorneys – more than often sought civil rights vindication through federal law. One of the most notable sections contained in the Arkansas Civil Rights Act of 1993 is its treatment of housing discrimination. The original version banned discrimination in property, credit and other contractual transactions, but a provision was added in 1995 that explicitly covered fair housing. The 1995 Arkansas Fair Housing Act (AFHA) gave Arkansans the right to housing and real estate without discrimination based on religion, race, color, national origin, sex, disability, or familial status; it also covered any person involved in a real estate transaction. In doing so, AFHA spanned a broader range of properties, covered more individuals involved in the transaction, and contained fewer exemptions than federal laws. What’s more, in 2001, the Arkansas Fair Housing Commission (AFHC) was formed. The state now had an agency with statutory authority to enforce the housing components of the civil rights law.
Ultimately though, the Arkansas Civil Rights Act of 1993 had little bite. Its passage and subsequent amendments ignored the establishment of state agencies other than AFHC. Even today, if an Arkansan wants to pursue allegations of discrimination through administrative channels, it has to be done through federal organizations like the Equal Employment Opportunity Commission (EEOC). In 2015, the Arkansas Advisory Committee to the U.S. Commission on Civil Rights released a report advising the state to establish other state-based agencies or to expand the AFHC to investigate and mediate civil rights complaints, including jurisdiction over employment and public accommodation issues. The committee cited fortysix other states with state-based avenues for its citizens, saying that Arkansas’ lack of enforcement agencies to receive and process complaints limits its ability to enforce its civil rights laws and makes it more difficult, costly, and time-consuming for Arkansans. As of 2018, Arkansas has yet to establish these types of agencies. Sources: Arkansas Advisory Committee to the U.S. Commission on Civil Rights 2015 Summary Report, Encyclopedia of Arkansas History & Culture, Bowen Law Repository v
Emerging Writers Institute gives youth chance to become published authors by TR ACY CO U R AG E
UA Little Rock’s Emerging Writers Institute offers middle and high school students a
chance to work with experienced writers from the university’s Little Rock Writing Project at a week-long camp June 25-29. The program for students entering grades 6-8 will be held 9 a.m.- 12:30 p.m. daily. Students entering grades 9-12 will meet 1:30- 5 p.m. daily. “We want to give the students
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a great writing experience,” said Greg Graham, director of the Little Rock Writing Project. “The end result of our time together is a professionally published anthology of the students’ writing, which includes a photo, a bio, and a selected piece of writing from each student. It’s exciting for them to see their work published in a book.” The registration fee for both camps is $125. Registration for the Emerging Writers Institute is available online. For more information on the Emerging Writers Institute, contact Graham at gxgraham@ ualr.edu. The Little Rock Writing Project is supported in part by the National Writing Project and the UA Little Rock Department of Rhetoric and Writing. Source: UA Little Rock Office of Communications v
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922 Van Ronkle Conway, AR 72032 *** phone 501-513-0551 fax 501-513-9095 *** email fcbrealtors@gmail.com ETHICS Code of Ethics Training Cycle Five 1/1/2017 - 12-31-2018 Do you have your Ethics training for the current cycle? Under NAR policy, all Realtors must complete 2 1/2 hours of ethics training during each cycle. We are currently in Cycle Five , which started on Jan. 1, 2017 and ends on Dec. 31, 2018. All new members who join the Board, and attend orientation, receive ethics training. Many, but not all, of the Continuing Education classes include the required 2 1/2 hours of Code of Ethics. You may go to: https://www.nar.realtor/about-nar/ governing-documents/code-of-ethics/code-of-ethicstraining (then select Existing Member) and complete the COE course free of charge and at your own pace as long as you complete the course within 30 days. Mandatory ethics training requirements for new and continuing Realtor members were established by the National Association’s Board of Directors at the 1999 Annual Convention with the following goals: • to heighten member awareness of the key tenets of the Code of Ethics; • to create an awareness of and appreciation for the role the Code can and should play in their professional lives; • to enhance professionalism and competency; • to encourage Realtors to view their Code of Ethics as a living, viable guide in their daily dealings with clients, customers, and the public. Call the Board office if you are unsure if you have met this requirement. It is your responsibility to send a
copy of your certificate to the Board showing your ethics training. Complete your training now and mark this off your list of things to do!
CALENDAR OF EVENTS General Membership Luncheon – June 18, 2018 – 11:30 a.m. Hole in the Wall Café New Member Orientation – July 12 – 9:00 a.m. – Holiday Inn Express Board Office Closed on July 4.
AFFILIATE SPONSORSHIPS
who understand and support their interests. The money to accomplish this comes from voluntary contributions made by Realtors. These are not members’ dues; this is money given freely by Realtors in recognition of how important campaign fundraising is to the political process. RPAC doesn’t buy votes. RPAC enables Realtors to support candidates who support the issues that are important to their profession and livelihood. You can make your contribution by making a check payable to RPAC and sending the check to the FCBOR Board Office, 922 Van Ronkle, Conway, AR 72032.
We are still prospecting new affiliates! If your business would like to become a member of our board please contact Morgan at 501-513-0551 or fcbrealtors@gmail.com.
2019 OFFICERS & DIRECTORS It is time to nominate candidates to fill the vacancies on the Board of Directors for 2019! Offices available to serve with remaining Directors and 2019 President Emily Walter include: Vice President/President Elect, Secretary, Treasurer, Parliamentarian, and two Director positions.
REALTORS POLITICAL ACTION COMMITTEE Since 1969, the REALTORS® Political Action Committee (RPAC) has promoted the election of pro-Realtor candidates across the United States. The purpose of RPAC is clear: Realtors raise and spend money to elect candidates
ARA JUNE MEETINGS FCBOR MEMBERS
The FCBOR annonces the 2018 Officers and Directors President – Jan Barrow President Elect – Emily Walter Secretary – Melissa Archuletta Treasurer – Velda Lueders Past President – Tracy Tidwell
SPECIAL OLYMPICS RAFFLE CONTACT MORGAN HORTON FOR TICKETS
3 Year Term – Brittney Burks, Lori Quinn, Glen Rega 2 Year Term – Spencer Hawks, Jonna Shaw 1 Year Term – Paul Nahlen, Lance McGhee Parliamentarian – Stefanie Schrekenhofer Dace
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BY TOMMY HOWARD
Financial Focus
Jack Nelson Jones, P.A. is located in Little Rock, Arkansas. Jack Nelson Jones represents a wide range of clients across the state and the nation, including First Security Bancorp, Crews & Associates, Inc., American Fuel Cell and Coated Fabrics Company, Bank of the Ozarks, the University of Central Arkansas, and North Little Rock School District. Some of Jack Nelson Jones’ other more well-known national clients include Mr. Jerry Jones and the Dallas Cowboys Football Club.
www.edwardjones.com
DON’T LET YOUR INVESTMENTS GO ON “VACATION”
S
ummer is here – and so is vacation season. Americans spend a lot on their summer getaways – more than $100 billion in 2017 alone, as reported in Travel and Leisure magazine. When you hit the road, you will enjoy getting away from your regular tasks, but there’s one part of your life that should never take a break – your investments. To keep your investments working consistently and efficiently for you, consider these suggestions: Match the right investment with the right “job.” You hire an electrician to install a light fixture, you employ a plumber to clear a clogged drain, and you would not expect either one to work on the other’s project. In a way, this view of a division of labor is similar to how you might look at different investments. In general, you purchase stocks with the hope of achieving the growth necessary to help you meet long-term goals, such as a comfortable retirement. On the other hand, when you purchase certain fixed-rate investments such as certificates of deposit (CDs) or money market accounts, you know they won’t provide as much growth potential, but are available to fund a short-term goal – such as a dream vacation. Evaluate investments’ performance relative to your goals. Some people think the only way to evaluate their investments’ performance is to track them against a well-known market index, such as the S&P 500. However, using an index as a measuring stick has some drawbacks, one of which is the lack of a personal connection to your situation. Look at it this way: In many types of organizations, you typically go through performance reviews, where your work is assessed in terms of how well it helped you move toward your goals – and you can follow the same process with your investments. Specifically, you can measure their performance by how effective they are in helping you move toward your financial objectives. For example, if you need your portfolio to provide you with a certain rate of return to meet specific retirement goals at a designated age, but you find that you are not currently on track toward meeting these goals, you may need to adjust your investment mix to potentially provide you with a higher return. Be aware, though, that seeking higher return potential will likely mean taking on more risk. You may want to consult with a financial professional to make sure you find a risk/reward ratio suitable for your goals and risk tolerance. Look for hard-working investments. Some investments work especially hard. Some stocks, or investments containing stocks, pay dividends. Instead of taking the dividends, you can choose to reinvest them, purchasing even more shares – and increased share ownership is one key to helping build financial resources for the long term. Dividend reinvestment is typically automatic, so once you have chosen this option, there’s really no extra work on your part. (Keep in mind, though, that companies are not obligated to pay dividends, and they can be reduced or eliminated at any time.) In the investing arena, as in many endeavors, hard work can be rewarding. So look for opportunities to keep your investments gainfully employed throughout your life. This article was written by Edward Jones for use by your local Edward Jones Financial Advisor.
IF YOU’RE NOT AT YOUR LAST JOB, YOUR 401(k) SHOULDN’T BE EITHER.
To see why it makes sense to roll your 401(k) to Edward Jones, call today.
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Member SIPC
Frederick Allan Williams v. State of Arkansas, 2018 Ark. App. 349, (June 6, 2018) This appeal comes from the Pulaski County Circuit Court, Honorable Leon Johnson, Judge presiding. It involves a conviction for residential burglary and the revocation of various suspended impositions of sentences triggered by that conviction. Frederick Williams was not a newcomer to the Criminal Justice System when he was charged with aggravated residential burglary, aggravated robbery, theft of property, and possession of firearms, all arising out of an incident on September 10, 2015. In 2000, Williams had pled guilty to possession of cocaine with intent to deliver and possession of marijuana and received five years’ probation. In November 2012, his probation was revoked for failure to make monthly visits to his probation officer and failure to pay fines and court costs. Williams entered a guilty plea and was sentenced to six years’ probation. In August 2013, Williams’ probation was again revoked for failure to comply with court-ordered drug treatment, and failure to pay fines and court costs. He pled guilty and was sentenced to three years’ Suspended Imposition of Sentence (SIS). Shortly thereafter, he pled guilty to new charges of possession of cocaine, possession of drug paraphernalia, and possession of marijuana with intent to deliver, and received an aggregate term of eighteen months’ imprisonment with three years SIS. On September 10, 2015, James and Courtney Lawrence alleged that a man came to the door of their dwelling and asked for some water. When James got a jug of water for that man, he pulled out a gun, precipitating a fight between the two men. Courtney came to her husband’s aide, kicking the man until he fled. Upon re-entering their home, they found Williams in their bedroom. James Lawrence had known Williams for most of his life and had dated Williams’ sister. Both Lawrences stated that Williams pointed a gun at them and threatened them both before fleeing the house. The Lawrences alleged that $300 was missing from their dresser in the bedroom immediately after Williams left, but neither actually saw Williams’ pick up the money. When the police arrived, the Lawrences both named Williams as a suspect, and both identified him in a photographic lineup. Based on this, a warrant was obtained for Williams’ arrest, and he was arrested and questioned by the police on October 2, 2015.
In his taped statement, Williams admitted to going into the Lawrence home and demanding money, but he stated he had given James Lawrence $3,000.00 to buy marijuana for him, but because Williams did not receive his drugs quickly enough, he went to get his money back. Williams denied having a gun during the encounter and denied knowing anything about the fight between the Lawrences and the first man. He also said that James gave him his $3,000 and he left. Williams was charged with aggravated residential burglary with the purpose of committing an offense punishable by imprisonment within the residence, aggravated robbery while armed with a handgun, theft of property, and for being a habitual offender. The State later amended the aggravated residential burglary charge to allege the home was entered with the purpose of committing theft of property and also asked that a firearmsentencing enhancement should be applied as well as petitioning to revoke Williams’ SIS on the convictions from 2010 and 2013, specifically because of the commission of these new offenses. The cases were tried in October 2016. The State rested its case after presenting testimony as set out above from the police and the Lawrences. Williams moved to dismiss the charge of aggravated residential burglary, which was premised on his entering the residence with the purpose of committing a theft while armed with a deadly weapon, because neither of the Lawrences saw Williams take their money. Williams also moved to dismiss the charges of aggravated robbery, theft of property, and possession of a firearm. The trial court granted the dismissal of the firearm charge, apparently accepting Williams’ statement to the police that he was unarmed when he entered the home. Despite that ruling, the court stated it believed Williams went into the house, and inconsistently stated Willams “didn’t go in there just to say I showed up with someone … . And I don’t know where I’m going with it at this time … . The problem is, I think he went in with a gun, I just—because they both said they saw it.” The court further stated that it was not sure there was a theft, based upon the Lawrences’ failure to see the Defendant actually take their $300, and the Defendant’s statement to the police that while he took money from the house, it was his own $3,000. The court granted the Motions to Dismiss on the aggravated
robbery charge, the theft of property charge, and the gun charge, but found the Williams guilty on the lesser included offense of residential burglary, stating “… (H)e didn’t have the right to be in the house, so I’ll give you residential burglary … he went in there with the purpose of committing an offense punishable by imprisonment … he went in there … he did commit something because he threatened to kill them. That’s … what the testimony was.” Based upon the conviction of residential burglary, the court revoked Williams’ SIS on the previous cases. In November 2016, Williams filed a motion to reconsider both his conviction and his revocations, which were denied, and Williams’ appealed. The Court found that a motion to dismiss during a bench trial is inherently a challenge to the sufficiency of the evidence. The burglary charge alleged only that Williams entered the residence with the purpose of committing an “offense punishable by imprisonment.” However, more is required. The offense intended to be committed must be specifically identified and is an element of the charge of burglary. The State had amended the original charge to allege the intended offense was theft of property, but the trial court specifically found that State did not prove that Williams entered the home with the intent to commit theft of property, crediting Williams’ statement to the police that he entered the residence only to recover his $3,000 purchase money for an incomplete marijuana. The trial court then dismissed those charges which required proof of theft or attempted theft of property but found Williams guilty of residential burglary because he threatened to kill the Lawrences. However, the State had included in the charge only the intent to commit theft. Since the State had not alleged an offense related to the threat in its charging document nor moved to amend the charge to reflect that was the intent, the Court of Appeals found the failure to prove the necessary element of theft of property was fatal to the conviction of residential burglary and reversed the conviction. Next, Williams argued that the petition for revocations of the two SIS charges should also be reversed. The petition alleged that he had committed aggravated residential burglary, aggravated robbery, theft of property, and possession of firearms. The trial court dismissed the aggravated robbery, theft of property, and possession of firearms charges. No written findings were made by the trial court that Williams entered the house to commit theft of property. Instead, Williams was convicted of a crime he was not charged with, i.e., the threat, although there was evidence to support the threat. This mistaken conviction was then wrongly used to support the revocation. Accordingly, the Court reversed the revocations and remanded to them to lower court to be dismissed. v
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Money&MarketsExtra Money&MarketsExtra Money&MarketsExtra
National Averages, Friday: National Averages, Friday: National Averages, Friday:
Money Market Account 0.46% Money Market Account 0.46% Money Market Account 0.46%
1-year CD 0.97% 1-year CD 0.97% 1-year CD 0.97%
5-year CD 1.70% 5-year CD 1.70% 5-year CD 1.70%
60-month new car loan 4.28% 60-month new car loan 4.28% 60-month new car loan 4.28%
$30K home equity loan 6.06% $30K home equity loan 6.06% $30K home equity loan 6.06%
30-year fixed mortgage 4.46% 30-year fixed mortgage 4.46% 30-year fixed mortgage 4.46%
The The world’s world’s most most exciting exciting stocks stocks may may now now be be in in your your funds funds
erages, Friday: Money Market Account 0.31% OfMutual
1-year CD 0.80%
OfMutual Interest OfMutual Interest Interest Stocks trading in mainland China have long offered one
5-year CD 1.46%
60-month new car loan 3.32%
$30K home equity loan 5.35%
30-year fixed mortga By Stan Choe By Stan Choe By Stan Choe
Actively managed emergingWhat risks are still there? Actively managed emergingWhat risks are still there? Stocks trading in mainland China have long offered one market funds aren’t required to Even institutional investors, such as mutual funds, increase of market’s biggest thrill rides — they’ve roughly doubled Actively managed emergingWhat as risks are still there? Stocks trading in mainland China have long offered one market funds aren’t required to Even as institutional investors, such as mutual funds, of just market’s biggest thrill ridesit — they’ve roughly doubled but they will now buy A shares, their holdings of A shares, the retail-dominated marketincrease is still in one year, only to give all back the next — and market funds aren’t required to Even as institutional investors, such as mutual funds, increase of market’s biggest thrill rides — they’ve roughly doubled but they will now buy A shares, their holdings of A shares, the retail-dominated market is still in just one year, only to give it all back the next — and have compare prone to big swings. they’re moving of fund investing. buy Ato shares, but their they will now their holdings of A shares, the retail-dominated market is still in just one year,into onlythe to mainstream give it all back the next — and have to compare their prone toinvestors big swings. they’re into thethe mainstream of fund investing. performance against Plus, still see issues with corporate governance and Last moving week marked first time that MSCI, a By Sta have to compare theirthe MSCI prone to big swings. they’re moving into the mainstream of fund investing. performance against the MSCI Plus, investors stillthe see issues withhas corporate governance Last week marked the set first time that MSCI,for a Emerging Markets index, which how much influence government over the market. In and 2015, company whose indexes benchmark performance against the MSCI Plus, investors still see issues with corporate governance and Last week marked the firstthe time that MSCI, a many Emerging Markets index, which how much the government has market. In 2015, company whose indexes set the benchmark for many does haveMarkets them. index, when the Ainfluence share market was tumbling in over price,the more thanoverdone half the funds ETFs, included Chinese stocks called onth is in themutual books forand the Federal Reserve’s payments “The Fed has so it for so ma better compared to the small interest Emerging which how much influence the government has over the market. In 2015, company whose indexes set the benchmark for many does haveathem. when the A in share market had wastrading tumbling in price, moresuspended. than half the mutual funds and ETFs, included Chinese stocks index. called Here’s look at how A shares companies the market of their shares A shares in its widely followed Emerging Markets does have them. when the A share market was tumbling in price, more thanmonetary half the mutual funds and ETFs, included Chinese stocks called process of pulling the plug on its bond-purchase from bonds. Higher rates could change that, years, they’ve taken policy so Here’s a look at how A shares companies in the market had their shares suspended. A shares in itstrade widely Emerging Markets index. have performed why “You’ve got something liketrading 3,000 of companies, and today we These stocks in followed Shanghai and Shenzhen and had Here’s a look and at how A they’re shares companies in the market had trading of their shares suspended. A shares in its widely followed Emerging Markets index. have performed and why they’re “You’ve got something like 3,000 companies, and today we These stocks trade in Shanghai and Shenzhen and had nd markets been tookvery things in stride. and it would also leave bond fund investors bounds, that they may have to tighten fo such aperformed big deal: and why they’re would thinkgot maybe 40 or 50 them companies, are investable,” difficult investors to access, unlike have “You’ve something likeof3,000 and Chuck today we These stocks tradeforinoutside Shanghai and Shenzhen and had such a big deal: would think maybe 40 or 50 of them are investable,” Chuck been very difficult for outside investors to access, unlike Knudsen, emerging markets equity portfolio specialist at T. Rowe shares traded in Hong Kong. assive undertaking the Fed, whose investment with losses on what are supposedsuch to be the get back inbounds,” said Jim a big deal: would think maybe 40 or 50 ofbefore them arethey investable,” Chuck been veryfor difficult for outside investors to access, unlike Knudsen, markets equity portfolio specialist at T. Rowe shares traded in Chinese Hong Kong. Price, saidemerging of the A share market. How have these stocks done in the past? But mainland markets have been opening up in recent equity portfolio specialist at T. Rowe Knudsen, emerging markets shares traded in Hong Kong. welled to nearly $4.5 trillion. Economists credit the safe parts of their portfolios. Paulsen, chief investment strategist at th Price, said of the A share market. How have these stocks done in the past? But and mainland markets opening in recent They have a history of very big ups and downs. added more thanhave 200 Abeen shares to its up indexes, years, MSCIChinese Price, said of the A share market. How have these stocks done inanalysts the past? ButU.S. mainland Chinese markets have been opening up in recent th helping push stock funds to returns of more Here are several reasons why say Leuthold Group. They have a history of very big ups and downs. added more than 200 A shares to its indexes, years, and MSCI Are things improving? In 2006, in of Shanghai thandowns. doubled and then surged such Hangzhou Hikvision, video-surveillance its indexes, They have astocks history very bigmore ups and years,asand MSCI added more athan 200 A shares tocompany Are things improving? Inhas 2006, stocks in Shanghai more the than Fed’s doubled and then surged such Hangzhou Hikvision, aaverage video-surveillance company ercent sincewhose the as spring ofhas 2009. thethemarket been so calm banks Yes,things investors say. Companies— areOther makingcentral more of an effort toare still pump another 110 percent 2007 about in U.S. But they collapsed surged ana of 43 percent annually Are improving? such asrevenue Hangzhou Hikvision, video-surveillance company In 2006, stocks in in Shanghai moredollar than terms. doubled and then surged Yes, investors say. Companies arestimulus making more of an effort to another 110 percent in far: 2007 in U.S.crisis, dollarplummeting terms. But they collapsed whose revenue hasKweichow surgedinanbond average of 43 percent annually the engage with investors, particularly ones from outside China, for in 2008 amid the global financial nearly 63 five years, and Moutai, a premium liquor company. ast, even thelast hint of a slowdown purchases balance-sheet moves so of into the global economy. Yes, investors say. Companies are making more of an effort to whose revenue has surged an average of 43 percent annually the another 110 percent in 2007 in U.S. dollar terms. But they collapsed engage with investors, particularly ones from outside China, for in 2008 amid the global financial crisis, plummeting nearly 63 lastThe fivemoves years, matter and Kweichow Moutai, a premium liquor company. example. percent. for all types of fund investors. Index funds engage with investors, particularly ones from outside China, last five years, and Kweichow Moutai, a premium company. 20082013 amid the globaltantrum,” financial crisis, plummeting nearly 63 ors into a “taper tantrum” and caused interest rates liquor toIndex — Sincein the “taper the European Central Bank for buys 60 billion e example. percent. The moves matter for all types of fund investors. funds “It’s just gradually improving over time,” said Andrew Mattock, One reason for the volatility is how dominated the market is by thatThe track the MSCI Emerging Markets index boughtIndex A shares so example. moves matter for allrecords types of fund investors. funds percent. he stock market calmly set more in October, as central bank has gone to great lengths to bonds each month, though “It’s just gradually improving over time,” said Andrew Mattock, One reason for the volatility is how dominated the market is by that track the MSCI Emerging Markets index bought A shares so portfolio manager at Matthews “You don’t upMattock, the nextit plans to re local retail investors. big is institutional investors, who tend to dig they can track the performance of the newly index.so “It’s just gradually improving Asia. over time,” said wake Andrew that track the MSCI Emerging Markets indexconstituted bought A shares One reason for theUnlike volatility how dominated the market is by portfolio manager at isMatthews Asia. “You don’t wake up the next local retail investors. UnlikePresident big institutional investors, who tend tothese dig “Jay” they can track the performance of the newly constituted index. $10 billion of Treasurys and mortgage-backed telegraph its moves. With Trump tapping Jerome those purchases to 30 billion euros in January. The Bank day, and everything changed, but you see little things like into the financials of companies before deciding to buy, many The iShares MSCI Emerging Markets ETF, for example, is one of of portfolio manager at Matthews Asia. “You don’t wake up the next they can track the performance of the newly constituted index. local retail investors. Unlike big institutional investors, who tend to dig day, and everything is changed, but you see little things like into the financials of into companies before deciding to buy,expectation many of these Themost iShares MSCIways Emerging Markets ETF, for example, is one ofit companies’ investor relations having English as well as popular to invest in emerging-market stocks, and retail investors piled winning stocks on the simple that Powell to be the next chair of the Fed, economists expect this to Japan is buying government bonds and other assets to s n its portfoliothe mature without reinvesting the cash. The day, and everything is changed, but you see little things like The iShares MSCI Emerging Markets ETF, for example, is one of into the financials of companies before deciding to buy, many of these companies’ investor relations having English as well as the most popular ways toHikvision invest in and emerging-market stocks, and it retailwould investors piled into winning stocks simple expectation that Mandarin materials.” now includes Hangzhou other A shares. they keep winning. This helps leadon tothe sharp booms and busts. companies’ investor relations having English as well as the most popular ways to invest in emerging-market stocks, and it retail investors piled into winning stocks on the simple expectation that AP continue. They is less about raising interest Mandarinitsmaterials.” economy. se to $50 billion per month by the end ofand next year. now includes Hangzhou Hikvision other A shares. they wouldsay keephe winning. Thisaggressive helps lead to sharp booms and busts. AP Mandarin materials.” nowmore includes Hangzhou Hikvision and other A shares. theyother would keep winning. This lead tostick sharpwith booms andcurrent busts. rates than candidates andhelps should the So, what could upset the market? Inflation pressures m d market was exciting than the stock market. The
ual est
After the Fed’s great unwind begins, the stock market yawns
Chair Janet Yellen’s plans, reducing the Fed’s balance sheet and e 10-year Treasury reached its highest level since gradually raising short-term interest rates. he economy got stronger and investors waited for — The economy is better able to stand on its own and other Donald Trump’s choice for the next Fed chair. economies around the world are hitting a higher gear. It’s a iding on whether markets can remain calm. If rates rise different picturebenefits than when the Fed was buying bonds expected, say as a result of a burst of inflation, Get the benefitsmuch of your employee Get the benefits of your employee benefits following the Great Recession andpay themedical cumulative effect of all uld get upset. Employee health benefits can have Gethuge thevalue, benefits of your employee benefits but you dipping into the accounts, they expenses Employee health benefits can have huge value, but you dipping into the accounts, they pay medical expenses that aid for the economy means financial conditions n rates would make stocks less attractive. While stocks may not behealth takingbenefits full advantage of yours. Here are out of pocket and leave their HSAs grow. expensesare still Employee can have huge value, but you dipping into the accounts, they pay to medical may not be taking full advantage of yours. Here are out of pocket and leave their HSAs to grow. three often overlooked tips for making the most out of Technically, people are supposed to pay taxes and ally expensive based profits, they look Here arerelativelyouteasy. may noton becompany taking full advantage of yours. of pocket and leave their HSAs to grow.
Leverage Leverage your your benefits benefits
three often overlooked tips for making the most out of Technically, people are supposed to pay isn’t taxes and for them: penalties on HSA withdrawals if the money three often overlooked tips for making the most out of Technically, people are supposed to pay taxesused and them: penaltiescosts on HSA withdrawals if the money isn’t used medical and they’re under 65. The penalty is for them: penalties on HSA withdrawals if the money isn’t used for medical costs and they’re under 65. The penalty is Drain your FSA Medical flexible spending waived those and older, income taxis medicalfor costs and65they’re underbut 65.the The penalty Drain your FSAemployees Medical flexible spending waived for those 65 and older, but the income tax accounts allow to put aside pre-tax remains. Drain your FSA Medical flexible spending waived for those 65 and older, but the income tax accounts allow employees to put aside pre-tax remains. money, typically through payroll It’s possible to avoid taxes and accounts allow employees to put aside pre-tax remains. money, typically through It’s possible towithdrawal avoid taxes and penalties on any as deduction, for health carepayroll money, typically through payroll It’s possible to avoid taxes—and penalties onHSA any owners withdrawal — as deduction, There’s for health care long as the keep expenses. no requirepenalties on any withdrawal — as deduction, for health care long as the keep expenses. There’s nobe requirereceipts for HSA thoseowners previous ment that the money long as the HSA owners keep expenses. There’s no requirereceipts for those previous ment that the money be out-of-pocket medical costs, contributed before it's spent, receipts for those previous says ment that the money be out-of-pocket medical costs, says contributed before it's spent, Mark Luscombe, principal analyst however. out-of-pocket medical costs, says contributed before it's spent, Mark Luscombe, principal analyst however. for tax consultant Wolters Kluwer. Let’s say you signed up to Mark Luscombe, principal analyst however. for tax consultant Wolters Kluwer. Let’s say you signed up to contribute the maximum cheaper options. Store layaway, subprimeWolters credit Kluwer. cards and nsumers in a tight spotsay or with little up credit for tax consultant Let’s you signed to history might contribute the maximum Useyou cobra to retire (aoff little) $2,650 to your medical FSA for for bad-credit personal loans all give time to pay the hemselves drawn to the rent-to-own option contribute the maximum Use retire (ainlittle) $2,650 to your for earlycobra A bigto challenge 2018. You then medical incurredFSA $2,650 Use cobra to retire (a little) $2,650 to your medical FSA for purchase at much lower rates. cket items, but itof pays to think twice. early isAsecuring big challenge 2018. You then incurred $2,650 retirement healthin eligible the first early A big challenge incare 2018. You expenses then incurred $2,650 retirement until is securing health of eligible expenses the first u’ve probably seen the pitch before — get insurance age 65, when care you week of January. You can be retirement is securing health care of eligible expenses the first insurance until age 65, when you of January. You can be qualify for Medicare. reimbursed for the full amount, Before you sign -name furniture,week appliances and electronics for as little a contract The Federal Trade insurance until age 65, when you week of January. You can be qualify for Medicare. reimbursed for the full amount, The Affordable Care Act was even if your first payroll qualify for Medicare. reimbursed for the full amount, 9.99 a week. The compaCommission suggests asking The Affordable Care was even if your first payroll supposed to provide theAct bridge deduction hadn’t been made, The Affordable Care Act was even if your first payroll out low prices, no hassles some of these questions before supposed to provide the bridge deduction hadn’t been made, between says Sander Domaszewicz, supposedemployer-provided to provide the bridge deduction hadn’t been made, between employer-provided says Sander Domaszewicz, nstant gratification to deciding to rent-to-own: insurance and Medicare. principal at consulting firm between employer-provided says Sander Domaszewicz, and Medicare. principal consulting firm Congressional attemptsinsurance to repeal or undermine the act, Mercer. at strapped consumers. How much are my payments? insurance and Medicare. principal at consulting firm Congressional attempts to repealuncertain. or undermine the Mercer. however, have left many people There is act, Congressional attemptsWhen to repeal orthey undermine the act, Mercer. re are a few things to are due? however,option have for left those many at people uncertain. There is another least 63½: COBRA, the Let your HSA grow Health savings accounts offer however, have left many people uncertain. There is der before you sign up: What other feestoare another option those at leasthealth 63½: COBRA, thecharged? Let your HSA savingsavoid accounts offer federal law thatfor requires group continue a rare triple taxgrow break:Health contributions federal for those at least 63½: plans COBRA, the another option Let your HSA grow Health savings accounts offer federal lawforthat requires group health plans toI continue a rare triple taxtax-deferred break: contributions avoid federal What happens if miss a coverage up to 18 months for many workers. income taxes, grow and are tax-free when federal law that requires group health plans to continue a rare triple tax break: contributions avoid federal coverage forcan up to 18 months for you many incomeontaxes, growmedical tax-deferred and are tax-free The cost quite high — willworkers. pick up the spent qualified expenses. These tax when How it works You usually payment? coverage for up be to 18 months for many workers. income taxes, grow tax-deferred and are tax-free when Thetab cost can high — you willwon’t pick up spent on qualified expenses. These tax treat whole butbe at quite least your coverage be the advantages are somedical significant that many people The cost—can be quite high — you will pick up the spent qualified medical expenses. These tax make payments for on a fixed whole tab —by but at leastjockeying. your coverage won’t be advantages aresupplemental so significant that manyfunds. people treat of jeopardized their HSAs as Instead whole tab — butpolitical at least your coverage won’t be advantages are so significantretirement that many people treat uctory period, which can as besupplemental retirement funds. Instead of Once you sign a jeopardized by political jockeying. their HSAs byfinance political jockeying. their HSAs as supplemental funds. of Pressjeopardized This articleretirement was provided to TheInstead Associated by the personal website NerdWallet.
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Teens glued to YouTube Teens Teens glued glued to to YouTube YouTube
Rent-to-own
Wireless&Cashless By Barbara Ortutay
It’s expensive but popular; what to know before you sign
3
didn’t include YouTube as an Sorry, Facebook. YouTube is Sorry, Facebook. didn’t YouTube as an optioninclude in its previous survey. the favorite socialYouTube media is didn’t include YouTube as an Sorry, Facebook. YouTube is the favorite social media option in its previous survey. Teens had a mixed view service among teens. option in its previous survey.of the favorite social media service amongpercent teens. a mixed view of theTeens impacthad of social media, Eighty-five Teens had a mixed view of service among teens. of U.S. the impact of social media, Eighty-five percent of U.S. with 31 percent saying their teens aged 13 to 17 use the impact of social media, Eighty-five percent of U.S. with was 31 percent saying their teens agedcompared 13 to 17 use use “mostly positive,” YouTube, with just with 31 percent saying their teens aged 13 to 17 use use was “mostly positive,” YouTube, compared with just compared with 24 percent 72 percent for Facebookuse was “mostly positive,” YouTube, compared with just compared with 24 percent 72 percent for Facebookwho said itwith was24 “mostly owned Instagram and 69 compared percent 72 percent for Facebookwho said it was “mostly owned Instagram and 69 negative.” percent percentInstagram for Snapchat, who said itForty-five was “mostly owned and 69 negative.” Forty-five percent percent for Snapchat, had a neutral view. percent according a March-April negative.” Forty-five percent fortoSnapchat, had a neutral view. according to a March-April who had a positive survey of 743 by Pew hadOfa those neutral view. according to ateens March-April Of those teens who had a positive survey of 743 teens by Pew view, cited Research Center. Of many those who had a positive survey of 743 teens by Pew view, many with teens cited and Research Center. connecting friends Use of the main Facebook view, many teens cited Research Center. connecting with friends and Use of the51 main Facebook family, whilewith others credited service was percent, down connecting friends and Use of the main Facebook family, while othersnews credited service was 51 percent, down the ease of finding and from 71 percent in a service was 51 percent, down family, while others credited the ease of finding news and from 71 percent in a information. Amongnews thoseand who 2014-2015 survey. the ease of finding from 71 percent in a information. Among those who 2014-2015 survey. viewed social media Pew didn’t speculate on information. Among those who 2014-2015 survey. viewed social media Pew didn’t negatively, many blamed it for reasons for thespeculate drop. on viewed social media Pew didn’t speculate on tapping the item of inte Facebook already lets you negatively, many blamed it for reasons for the drop. bullying, the lack in-person Historically, teens shun negatively, many of blamed it for reasons for the drop. bullying, the lack of in-person Historically, teens shun But not everyone w watch shows, order food, chat once theirshun parents contact, an unrealistic services bullying, and the lack of in-person Historically, teens contact, and an unrealistic services once their parents start using them. Pew also portrayal others’ lives. buy a car from a rand with their friends and buycontact, otherand an unrealistic parents services once AP portrayal others’ lives. start using them. Pew also start using them. Pew also portrayal others’ lives. personAP on the interne people’s castoffs.
3 3 3
Cars, come get you cars! (On Facebook where else?)
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months. After that, you three options: you can buy em outright, continue making ents until you own it or your lease. the item to end InsiderQ&A ou stop making payments InsiderQ&A InsiderQ&A behind, the company you asing it from can repossess bject. You don’t have the o get your money back.
AP
rising. With the economy in a healthier position, additiona Wireless&Cashless stimulus such as tax cuts could heat up the economy eve Wireless&Cashless By Ryan Nakashima Wireless&Cashless and cause prices jump. If that were to happen, the Fed By RyantoNakashima By Ryan Nakashima find itself forced to raise interest rates more quickly than e “I think the market is underpricing the potential for infla going higher,” said Schroders investment strategist Jon M “We could have a shot to the system, and if that happens equity market would have to take a breather.”
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contract This article was provided to The Associated Press by the personal finance website NerdWallet. This article was provided to The Associated Press by the personal finance website NerdWallet.
There are AP several ways you can protectAP AP AP yourself if you've signed a with the ability to chec Now, Facebook is adding rent-to-own contract. someone’s profile to, more used cars to the mix, Zulily has gone from selling mostly women. going to sell live chickens, but we’ll sell and makeup. Keep your payment records. Zulily has gone from selling mostly women. going to sell live chickens, but we’ll sell and makeup. hopefully, guard again dealerships sell cars children’s clothing to items from pillows to The site’s chief merchant and interim chicken coops. We’re not inletting the business Zulily has gone from selling mostly women. going to sell liveWe’re chickens, we’ll sell and makeup. children’s clothing items from pillows The site’s chief merchant and interim chicken not inbut the business designer purses toto chicken coops. Now,to president, Lori Twomey, talked with Thecompanies of sellingcoops. cars, but it doesn’t necessarily Zulily launched a credit card last fall. 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Do customers shop on their phones promotions orimmediately we might give them an discount. We got 100,000 The site, and owned by the parent company How is Zulily different than Amazon? computers? toilet paper and paper towels. Do customers shop on their phones or promotions orimmediately we might give them an extra payment, day, discount. got 100,000 The site, owned by the parent How Zulily different Amazon? computers? credit cardWe holders by the end of the year. The compa of home shopping network QVC, company has also I thinkisabout Amazon asthan a even place toby go a single Seventy percent of our businessAnd comes Cars.com. why not? 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I want to Chief merchant and interimhistory presidentor can’t en if you have a troubled credit pay the contract. But savvy consumers talk them down to half Zulily disappear 72 hours later, making shoppers Is there somethingcan you wouldn’t sell on expand our electronics business and we feel the need to buy before an item’s Zulily? are expanding our health and beauty Interviewed by Joseph Pisani. they would? It’s also t Selling involves just snapping Chief merchant and interim president disappear 72 hours later, making shoppers Is there something you wouldn’t sell on expand our electronics business and we feel need to buy an item’s Zulily? are expanding health and beauty Interviewed by Joseph Pisani. And most of itsbefore shoppers are We over haven’tmultiple said no to amonths. lot. We’re not business, suchour as fragrances, skincare Answers edited for clarity and length. urchase priceZulily for something you want, there gone. canthe of that amount paid Zulily feel thebe need to buy before an item’s Zulily? are expanding our health and Interviewed by Joseph Pisani.jobs, event tickets and a beauty photo and setting a price,
Zulily expands Zulily expands Zulily expands offerings and media offerings offerings and and media media
gone. And most of its shoppers are gone. And most of its shoppers are
We haven’t said no to a lot. We’re not We haven’t said no to a lot. We’re not
This article was provided to The Associated Press by the personal finance website NerdWallet.
business, such as fragrances, skincare business, such as fragrances, skincare
AP
Answers edited for clarity and length. Answers edited for clarity and length.
while buying requires just
rentals.
AP AP AP