contributed by Michelle Furlong, Vice President of Human Resources Did you know that adults should sleep 7 or more hours each night for optimal health? Not getting enough sleep is associated with an increased risk for a number of chronic diseases and conditions.  It is scientifically proven that sleep meditation can help fight mild insomnia and other sleep disorders.  So, if you find you are wak...

From February 19 to March 23 the S&P 500 Index went from trading at a record high to being down 30.75% for the year, all in the span of 23 trading days. The speed of the decline caught most investors by surprise. In the fifteen trading days since the March 23 low though, the Index is up 27.2% and regained 608 of the 1,148 points lost in the contraction. In spite of the strong recovery, a majority ...

In the wake of the sharp declines across global markets driven by the uncertain and virulent spread of novel coronavirus, investors may have concern over the impact in countries where the pandemic originated; namely, emerging markets. To assess, we will look at performance of emerging markets in context to historical crises. Click here to read more.

On Tuesday, March 17, 2020, we the Social Security Administration suspended face-to-face service to the public in our field offices and hearings offices nationwide until further notice. In accordance with guidance from the Centers for Disease Control and Prevention, this decision protects the population we serve and our employees during the pandemic. Accordingly, while they are unable to offer in-...

Over the past month, Congress has enacted three pieces of legislation (the “Acts”) aimed at helping individuals afflicted by the coronavirus and providing fiscal stimulus to restart an economy that has been devastated by the virus’s effects. The legislation has wide- ranging consequences for individuals, businesses, and the economy. This white paper summarizes the major provisions of the t...

Of course March 23 is not even a month in the rear-view mirror, but the S&P 500 Index is up over 23% since the low on that date. Some have commented the market will retest that market low before achieving new highs while others say the Fed's intervention minimizes the likelihood of a retest. As time moves further past the March 23 day, it seems "the no retest" chorus is sounding more probable. Bec...

I was asked to offer a few suggestions about homeschooling for employees that may need some guidance during this unusual time.  You may or may not be aware that I have homeschooled our children for the past eight years.  As the years have progressed and our number of children has grown, I have had to make adjustments along the way.  I pray that our experience can offer you a little relief, as you ...

In April, HORAN partnered with Lyndsey R. Barnett and Lee P. Geiger with Graydon to address the COVID-19 impact on health and retirement plans. Below are ten considerations to keep in mind. Click here to read more.  

To help taxpayers, the Department of Treasury and the Internal Revenue Service announced on April 9, 2020, that Notice 2020-23 extends additional key tax deadlines for individuals and businesses. Last month, the IRS announced that taxpayers generally have until July 15, 2020, to file and pay federal income taxes originally due on April 15. No late-filing penalty, late-payment penalty or interest...

This weekly webinar series facilitated by Terry Horan, President and Chief Executive Officer of HORAN, with a panel of HORAN professionals to include Paul Carl, Greg Hoernschemeyer, CLU, Michael Napier, CFP and David Templeton, CFA. Click here to watch.