Household spending for the Christmas Holidays increased by $160 Billion between 2014 and 2018 and was expected to increase another 4.5% in 2019. Spending cooled some for the Christmas Holidays in 2020 according to the National Retail Federation with Americans spending roughly $998 on gifts, food, and decorations.  According to historical data 68% of Christmas …

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A new rule of the Biden administration will force companies when considering which 401(k) plan to use, to focus on diversity issues, climate change and even political donations! The new Labor Department rule would make things such as donating to Black Lives Matter or building wind turbines carry as much weight as profitability.  And unfortunately, …

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Mika Brzezinski, the co-host of MSNBC’s ‘Morning Joe’ show made this revealing comment when she felt threatened about her job security. “He is trying to undermine the media and trying to make up his own facts…he can actually control exactly what people think. And that, that is our job!” Whether you love her or hate …

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When shopping for a life insurance policy, you’ll first want to consider what type of life insurance is best for you. There are a variety of life insurance types, each with its pros and cons, but some of the more well-known policies are term life insurance and whole life insurance. Whether you need term life …

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I can still hear Nelson Nash’s Birmingham drawl, telling those in attendance of the many workshops we hosted with him, “We live in a world of lies.”  Wow!  How true that statement was and still is. Today we find ourselves informed that “Gain of Function Research” WAS being sponsored by the most highly paid Federal …

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3 Keys to Building Sustainable Wealth Many people will generate over a million dollars of income during their lifetime. At only $12 dollars an hour, 8 hours a day, 5 days a week, 50 weeks out of the year, and working 45 years someone will generate over a million dollars.  But the question is how …

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By far, most life insurance payouts are not taxable, according to current IRS guidelines.  However, there are exceptions.  The purpose of this piece is to consider one of those exceptions which is referred to as the Goodman Triangle. A Goodman Triangle occurs when a beneficiary(s) is not an owner or co-owner of a policy and …

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According to Professor, Jeannie Suk Gersen, “Recent studies show that trigger warnings — an alert to students telling them to brace themselves for content that could revive difficult memories — could actually increase the trauma.”  Furthermore, Lisa Robinson, along with others, has now proven that consumer warning labels don’t work either.  Reporting in the Harvard …

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Those who are misinformed or ignorant about the facts surrounding fees, interest and taxes will suffer the consequences.  People are destroyed for lack of knowledge. This is true in all areas of life but particularly when it comes to finances. One example of this is the common use of average rates of return by financial …

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Have you ever wondered if you could access the money in a 401(k) plan to use for other purposes before you actually retire? It is possible, but there are limitations to accessing money in any tax-qualified plan. You see, some of the money in these plans, is really the government’s money because you haven’t paid …

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