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Let’s say you’re going to go into business. Why not partner up with someone willing to match everything you put into this new business by 50%?  That means for every $1 you put in, this willing partner will put in another 50 cents.  Typical Financial Planning advice says you can’t lose. And that this is …

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Smart investing means knowing your options. Many people are familiar with regular individual retirement accounts (IRAs) which hold stocks, bonds, certificates of deposit, and mutual or exchange-traded funds. However, few people understand the characteristics of another major retirement account—self-directed IRAs (SDIRA). We are going to cover what self-directed IRAs are, what their benefits and risks …

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What Are the Safest Investments for Your Portfolio? When it comes to investing, some people look to investment opportunities with large potential returns. They may hope to make a large amount of money in very little time, and you might find this option intriguing. Unfortunately, the higher the potential return, the higher the risk of …

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There are many Retirement Calculators out there, insert your numbers and Ta-Dah! The calculator spits out how much money you need to have in order to retire. But these calculators can’t guarantee how much money you will need in retirement. What chunk of your money will inflation gnaw off throughout your retirement? Are your retirement …

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There are many retirement calculators that will tell you how much you need to have in order to retire. But there are no calculators that can guarantee how much money you will need in retirement.  That is because the calculators used in typical financial planning are based on some interesting assumptions.  For example, The 70% …

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If you were born between 1946 and 1964 you are classified as a Baby Boomer.[i] And Baby Boomers are retiring at somewhere around 10,000 per day.[ii] Needless to say, this is putting a strain on the Social Security Administration’s ability to continue to pay benefits.  As of June, 2019, 50% of retired married couples, and …

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Risk tolerance is a big term in typical financial planning. Basically, risk tolerance is the amount of nerve you have to watch your investment portfolio lose money without flinching. According to typical financial planning, the higher your “risk tolerance” the more money you should risk losing to try and get big returns. But typical financial …

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What is the SECURE Act? The SECURE Act of 2019, was signed into law by the president on December 20, 2019. It is an acronym for the Setting Every Community Up for Retirement Enhancement Act. The act is a far-reaching law which will affect the way Americans can save for retirement when using tax-deferred accounts. …

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Setting the stage First of all, I want the reader to understand that I agree with most of what David Ramsey teaches and “rants” about. I lived his model of “Financial Peace” until I was 45 years old and have proved most of his money “Makeover” theories including being out of debt and paying cash …

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Governments and central banks are taking the low road. They are attempting to artificially stimulate the economy by implementing negative interest rates.  John says it will work probably work short-term Tom says it could cause people to hoard tangible assets like gold, silver, antique automobiles and art. What is it that really stimulates an economy …

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