- It is important to have enough emergency savings in case times get tough (73 percent)
- It is easy to get carried away and spend too much when times are good (59 percent)
- It is important to understand the consequences of borrowing money (51 percent)
Charles Schwab (SCHW) stock coverage was initiated at Morgan Stanley on Monday.
Here are Monday's top research calls, including upgrades for Fitbit and Marriott and downgrades for Disney and Twitter.
TIPS, Floating-rate investments are best while waiting for Fed's likely December move.