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The Week Ahead: Looking for retail holiday season vital signs

It's make or break time for retailersIt's make or break time for retailersSome of the nation's largest retailers, including Wal-Mart, J.C. Penney, and Macy's, will report quarterly financial results this week. But investors will be paying more attention to any hints from the companies about the holiday season shopping outlook.

MONDAY: Earnings expected from Capitol Federal Financial.

TUESDAY:Earnings expected from Atmos Energy, Clearwire Corp.

WEDNESDAY:Earnings from Macy’s

THURSDAY: Initial jobless claims; weekly crude oil inventories; earnings expected from Anheuser-Busch InBev, Blockbuster, Kohl’s, Nordstrom, The Management Network Group, Wal-Mart, Walt Disney.

FRIDAY: Trade balance; Michigan Sentiment Index; earnings from J.C. Penney.

Submitted by Steve Rosen on November 9, 2009 - 1:01am.
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4/9/09

Question:

BRB asks

Who do I talk to for financial advice that does not involve them trying to sell me something? We are 60 and 59, have a 200,000 annuity, are 60-70,000 credit card debt, have a house that is half paid for,own a condo in fl that is not paying for itself, have a good credit rating, not behind on anything, not facing foreclosure, wife on disability, husband still working, Want to pay off credit cards, but don't know how. Should we use part of annuity? I just want to know who to ask for help. Thanks

Answer:

It looks like you would be well served by a comprehensive financial plan which would address your concerns and give you a clear picture of where you are at financially. Financial advisors are paid in two different ways. Some receive commissions for the products they sell you. There are also fee only financial planners who work for you for a set fee and sell no products. In their case you know exactly how much it will cost you up front. It would also be preferable to use a financial planner who is a Certified Financial Planner.

Best Regards,
G. Douglas Dunham

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Submitted by FPA on April 9, 2009 - 2:00pm.
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