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need to know
Apple to host Sept. 9 product event
Business investment stars in GDP report
Wall Street’s missing a closed-end bargain
The best jobs for millennials
CEO pay surged last year
The happiest and least happy countries
Tiffany's slides on weak earnings, outlook
Apple closing in on Fitbit as for wearable crown
Stock rout hits hedge-fund yearly gains hard
6 most shorted NYSE stocks (24/7 Wall St.)
FTSE enjoys triple-digit gain in London

Poll shows Biden running stronger than Clinton
Republican wants more than the sequester

Donald Trump says he’s OK with raising taxes on himself
Trump: I’m OK with raising taxes on myself

Bezos is clear about what Amazon’s culture is

Keep calm and make money in a crazed market
This market swell may be dangerous to ride
Amid chaos, new investors jumped into stocks

Wal-Mart: Demand is reason for its gun decision

Where your
Chinese food is delivered by plane

Sorry, Uber, but this is the end of the IPO party

Star-studded content up Netflix’s sleeve
'Mr. Robot' season finale postponed

Beijing, ‘Loch Ness monster’ in mystery of China rally

China takes unusual action to tame yuan expectations
China’s unusual action to tame yuan views
Analysts dismiss fears of a China hard landing

Jim Rogers: Don’t rule out a commodity bull run
Commodities are ripe for a rebound

How the media just can’t spot economic crisis

6 ‘services’ that help hackers get rich

4 things you didn’t know could be hacked
How vulnerable are U.S. markets to hackers?


$14 to send message-bearing potatoes


How to throw a  birthday party for under $100
Only half of Americans with kids have wills

Millennials are clueless about cellphone etiquette
Millennials realize growing up is hard to do

/conga/frontpage.html 353484

Markets »

171.94MDow Volume:
Avg Vol: 109.98M
Unchanged
150
Decliners
1105
Advancers
5355
Price Chg %Chg 1 Day
Range: 1 Day
  • 1 Day
  • 5 Days
  • 1 Month
  • 3 Months
  • 6 Months
  • 1 Year
  • 2 Years
Dow
/quotes/zigman/627449/realtime 16,655 +369 2.27%
Nasdaq
/quotes/zigman/12633936/realtime 4,813 +115 2.45%
S&P 500
/quotes/zigman/3870025/realtime 1,988 +47 2.43%
GlobalDow
/quotes/zigman/629063/realtime 2,361 +50 2.17%
Gold
/quotes/zigman/662444/delayed 1,124 -1 0.10%
Oil
/quotes/zigman/2331095/delayed 42.60 +4.00 10.36%
FTSE 100
/quotes/zigman/3173262/delayed 6,192 +213 3.56%
DAX
/quotes/zigman/2380246/delayed 10,316 +318 3.18%
CAC 40
/quotes/zigman/3173214/delayed 4,658 +157 3.49%
FTSE MIB
/quotes/zigman/1482176/delayed 22,201 +727 3.39%
IBEX 35
/quotes/zigman/2759620/delayed 10,290 +306 3.06%
Stoxx 600
/quotes/zigman/2380150/delayed 362 +12 3.46%
Asia Dow
/quotes/zigman/6959860/realtime 2,753 +52 1.92%
Nikkei 225
/quotes/zigman/5986735/delayed 18,574 +198 1.08%
Hang Seng
/quotes/zigman/2622475/delayed 21,839 +758 3.60%
Shanghai
/quotes/zigman/1859015/delayed 3,084 +156 5.34%
Sensex
/quotes/zigman/1652085/delayed 26,231 +517 2.01%
Singapore
/quotes/zigman/1709939/delayed 2,945 +72 2.52%
Euro
/quotes/zigman/16008136/realtime/sampled 1.12 -0.01 0.65%
Yen
/quotes/zigman/16008150/realtime/sampled 121.05 +1.12 0.94%
Pound
/quotes/zigman/16008140/realtime/sampled 1.54 -0.01 0.34%
Australia$
/quotes/zigman/16008115/realtime/sampled 0.72 +0.00 0.60%
DXY Index
/quotes/zigman/1652083/delayed 95.76 +0.48 0.51%
WSJ $ Idx
/quotes/zigman/41508961/realtime 88.30 +0.18 0.21%
U.S. 10yr
/quotes/zigman/15866666/realtime 2.19 +0.01 0.49%
German 10y
/quotes/zigman/15866409/realtime 0.75 +0.04 5.49%
Italy 10yr
/quotes/zigman/15866497/realtime 1.93 -0.05 2.73%
Spain 10yr
/quotes/zigman/15866444/realtime 2.06 -0.03 1.54%
U.K. 10yr
/quotes/zigman/15866328/realtime 1.87 +0.02 1.11%
Japan 10yr
/quotes/zigman/15866525/realtime 0.39 +0.02 4.00%
Crude Oil
/quotes/zigman/2331095/delayed 43 +4 10.36%
Gold
/quotes/zigman/662444/delayed 1,124 -1 0.10%
Corn
/quotes/zigman/7599553/delayed 375 +1 0.33%
DJIA F
/quotes/zigman/38649152/delayed 16,643 +394 2.42%
S&P F
/quotes/zigman/30356461/delayed 1,986 +48 2.48%
Silver
/quotes/zigman/3134148/delayed 14 +0 2.46%

Quotes

Symbol Price Change % Change
FB /quotes/zigman/9962609/composite 89.54 2.35 2.70%
AAPL /quotes/zigman/68270/composite 112.73 3.04 2.77%
GOOG /quotes/zigman/30194416/composite 636.66 8.04 1.28%
BAC /quotes/zigman/190927/composite 16.41 0.35 2.18%
C /quotes/zigman/5065548/composite 53.37 1.09 2.08%
F /quotes/zigman/264304/composite 13.56 0.35 2.65%
T /quotes/zigman/398198/composite 33.37 0.68 2.08%
BP /quotes/zigman/247026/composite 33.00 1.90 6.11%
GE /quotes/zigman/227468/composite 24.99 0.98 4.08%
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Rates »

5 yr CD
1.5%
2 yr CD
0.8%
1 yr CD
0.6%
MMA $10K+
0.3%
MMA $50K+
0.4%

National averages from Bankrate.com

You Don’t Need Another Credit Card, You Need A Better One.
Avg. APR Last Week 6 Months
Low Interest 11.62% 11.62% 11.53%
Business 12.85% 12.85% 12.85%
Student 13.14% 13.14% 13.14%
Balance Transfer 14.12% 14.12% 14.00%
Airline 15.10% 15.10% 15.15%
Reward 15.14% 15.14% 14.99%
Cash Back 15.27% 15.27% 15.26%
Instant Approval 18.00% 18.00% 17.93%
Bad Credit 22.73% 22.73% 22.48%
Source:CreditCards.com

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Encore
A blog about living in and planning for retirement

States Try the Retirement-Plan Business

It’s a major fiscal problem: More than 50% of working-age Americans have no retirement plan coverage at work. For years, policy makers have been searching for ways to address the problem by enticing small businesses to offer their employees 401(k)-style retirement plans.

Now, legislators in a few states are taking a different tack, backing new initiatives that would shift the responsibility for setting up the retirement plan – and picking investment options – to the government.

On Sept. 30, California Governor Jerry Brown signed a measure that would require private-sector companies with five or more employees that do not currently offer a retirement plan to automatically deduct contributions from employees’ paychecks and funnel them into an IRA. Called the California Secure Choice Retirement Savings Trust, the program “is aimed at the 6.3 million Californians, mostly lower and middle-income workers, who have no access to a retirement plan at work,” says a press release issued by California state Senator Kevin De Leon (D-Los Angeles), one of the measure’s co-sponsors.

California companies that don’t currently offer a tax-deferred retirement-savings plan would channel employee contributions to these accounts through direct payroll deposits. Employers would automatically enroll employees, who would be free to opt out. At 3%, the savings rate for those auto-enrolled “would create a modest supplement” to Social Security, says Greg Hayes, communications director for De Leon.

The state would choose a professional money manager to invest the funds in a conservative investment whose return would be guaranteed at no risk to the state. (The investment manager would be required to purchase insurance to protect against investment losses). Administrative fees would be capped at 1% of assets, says Mr. Hayes.

The program has several hurdles to clear before it can operate. Most significantly, the Internal Revenue Service will need to allow contributions to be made on a pre-tax basis. Also needed: a ruling from the Department of Labor that the program would not be subject to the federal Employee Retirement Income Security Act, or ERISA. Because ERISA subjects employers to fiduciary responsibility with regard to retirement plans, the state would effectively be prohibited from implementing the program if it were covered by the act, according to the bill’s supporters.

“It’s going to be interesting to see what the DOL does,” says David John, a senior research fellow at the Heritage Foundation, who, along with Mark Iwry of the Treasury Department conceived of a similar proposal, the so-called “automatic IRA.” Because the California program seeks to guarantee returns, “they are in a gray area” with regard to ERISA, he adds.

Numerous other states, including Illinois, Rhode Island and Massachusetts, are considering or have passed similar measures. (Massachusetts currently oversees a retirement savings program for nonprofits with fewer than 20 employees.) For more on how to encourage more 401(k)-style savings, see “How to Fix 401(k)s.”

 

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About Encore

  • Encore examines the changing nature of retirement, from new rules and guidelines for financial security to the shifting identities and priorities of today’s retirees. The blog also explores news that affects retirement, from the Wall Street Journal Digital Network and around the web. Lead bloggers are reporter Catey Hill and senior editor Jeremy Olshan. Other contributors include The Wall Street Journal’s retirement columnists Glenn Ruffenach and Anne Tergesen; the Director for the Center for Retirement Research at Boston College, Alicia Munnell; and the Director of Research for Pinnacle Advisory Group, Michael Kitces, CFP.

MarketWatch - Stock Market Quotes, Business News, Financial News

New York Markets After Hours

need to know
Apple to host Sept. 9 product event
Business investment stars in GDP report
Wall Street’s missing a closed-end bargain
The best jobs for millennials
CEO pay surged last year
The happiest and least happy countries
Tiffany's slides on weak earnings, outlook
Apple closing in on Fitbit as for wearable crown
Stock rout hits hedge-fund yearly gains hard
6 most shorted NYSE stocks (24/7 Wall St.)
FTSE enjoys triple-digit gain in London

Poll shows Biden running stronger than Clinton
Republican wants more than the sequester

Donald Trump says he’s OK with raising taxes on himself
Trump: I’m OK with raising taxes on myself

Bezos is clear about what Amazon’s culture is

Keep calm and make money in a crazed market
This market swell may be dangerous to ride
Amid chaos, new investors jumped into stocks

Wal-Mart: Demand is reason for its gun decision

Where your
Chinese food is delivered by plane

Sorry, Uber, but this is the end of the IPO party

Star-studded content up Netflix’s sleeve
'Mr. Robot' season finale postponed

Beijing, ‘Loch Ness monster’ in mystery of China rally

China takes unusual action to tame yuan expectations
China’s unusual action to tame yuan views
Analysts dismiss fears of a China hard landing

Jim Rogers: Don’t rule out a commodity bull run
Commodities are ripe for a rebound

How the media just can’t spot economic crisis

6 ‘services’ that help hackers get rich

4 things you didn’t know could be hacked
How vulnerable are U.S. markets to hackers?


$14 to send message-bearing potatoes


How to throw a  birthday party for under $100
Only half of Americans with kids have wills

Millennials are clueless about cellphone etiquette
Millennials realize growing up is hard to do

/conga/frontpage.html 353484

Markets »

171.94MDow Volume:
Avg Vol: 109.98M
Unchanged
150
Decliners
1105
Advancers
5355
Price Chg %Chg 1 Day
Range: 1 Day
  • 1 Day
  • 5 Days
  • 1 Month
  • 3 Months
  • 6 Months
  • 1 Year
  • 2 Years
Dow
/quotes/zigman/627449/realtime 16,655 +369 2.27%
Nasdaq
/quotes/zigman/12633936/realtime 4,813 +115 2.45%
S&P 500
/quotes/zigman/3870025/realtime 1,988 +47 2.43%
GlobalDow
/quotes/zigman/629063/realtime 2,361 +50 2.17%
Gold
/quotes/zigman/662444/delayed 1,124 -1 0.10%
Oil
/quotes/zigman/2331095/delayed 42.61 +4.01 10.39%
FTSE 100
/quotes/zigman/3173262/delayed 6,192 +213 3.56%
DAX
/quotes/zigman/2380246/delayed 10,316 +318 3.18%
CAC 40
/quotes/zigman/3173214/delayed 4,658 +157 3.49%
FTSE MIB
/quotes/zigman/1482176/delayed 22,201 +727 3.39%
IBEX 35
/quotes/zigman/2759620/delayed 10,290 +306 3.06%
Stoxx 600
/quotes/zigman/2380150/delayed 362 +12 3.46%
Asia Dow
/quotes/zigman/6959860/realtime 2,753 +52 1.92%
Nikkei 225
/quotes/zigman/5986735/delayed 18,574 +198 1.08%
Hang Seng
/quotes/zigman/2622475/delayed 21,839 +758 3.60%
Shanghai
/quotes/zigman/1859015/delayed 3,084 +156 5.34%
Sensex
/quotes/zigman/1652085/delayed 26,231 +517 2.01%
Singapore
/quotes/zigman/1709939/delayed 2,945 +72 2.52%
Euro
/quotes/zigman/16008136/realtime/sampled 1.12 -0.01 0.64%
Yen
/quotes/zigman/16008150/realtime/sampled 121.05 +1.12 0.94%
Pound
/quotes/zigman/16008140/realtime/sampled 1.54 -0.01 0.33%
Australia$
/quotes/zigman/16008115/realtime/sampled 0.72 +0.00 0.62%
DXY Index
/quotes/zigman/1652083/delayed 95.76 +0.49 0.51%
WSJ $ Idx
/quotes/zigman/41508961/realtime 88.30 +0.18 0.21%
U.S. 10yr
/quotes/zigman/15866666/realtime 2.19 +0.01 0.49%
German 10y
/quotes/zigman/15866409/realtime 0.75 +0.04 5.49%
Italy 10yr
/quotes/zigman/15866497/realtime 1.93 -0.05 2.73%
Spain 10yr
/quotes/zigman/15866444/realtime 2.06 -0.03 1.54%
U.K. 10yr
/quotes/zigman/15866328/realtime 1.87 +0.02 1.11%
Japan 10yr
/quotes/zigman/15866525/realtime 0.39 +0.02 4.00%
Crude Oil
/quotes/zigman/2331095/delayed 43 +4 10.39%
Gold
/quotes/zigman/662444/delayed 1,124 -1 0.10%
Corn
/quotes/zigman/7599553/delayed 375 +1 0.33%
DJIA F
/quotes/zigman/38649152/delayed 16,642 +393 2.42%
S&P F
/quotes/zigman/30356461/delayed 1,986 +48 2.47%
Silver
/quotes/zigman/3134148/delayed 14 +0 2.46%

Quotes

Symbol Price Change % Change
FB /quotes/zigman/9962609/composite 89.54 2.35 2.70%
AAPL /quotes/zigman/68270/composite 112.74 3.05 2.78%
GOOG /quotes/zigman/30194416/composite 636.70 8.08 1.29%
BAC /quotes/zigman/190927/composite 16.41 0.35 2.18%
C /quotes/zigman/5065548/composite 53.37 1.09 2.08%
F /quotes/zigman/264304/composite 13.56 0.35 2.65%
T /quotes/zigman/398198/composite 33.37 0.68 2.08%
BP /quotes/zigman/247026/composite 33.00 1.90 6.11%
GE /quotes/zigman/227468/composite 24.99 0.98 4.08%
Visit the quote page and your most recently viewed stocks will automatically be displayed here.
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Rates »

5 yr CD
1.5%
2 yr CD
0.8%
1 yr CD
0.6%
MMA $10K+
0.3%
MMA $50K+
0.4%

National averages from Bankrate.com

You Don’t Need Another Credit Card, You Need A Better One.
Avg. APR Last Week 6 Months
Low Interest 11.62% 11.62% 11.53%
Business 12.85% 12.85% 12.85%
Student 13.14% 13.14% 13.14%
Balance Transfer 14.12% 14.12% 14.00%
Airline 15.10% 15.10% 15.15%
Reward 15.14% 15.14% 14.99%
Cash Back 15.27% 15.27% 15.26%
Instant Approval 18.00% 18.00% 17.93%
Bad Credit 22.73% 22.73% 22.48%
Source:CreditCards.com

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  • /quotes/zigman/9766366/composite AMTD+3.06%
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X
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