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The biggest financial fear many people have is that they will run out of money.[i] Not only are returns shabby, at best, but human lifespan has gradually been rising. This is not a good recipe for being able to retire care free on the money you’ve put away during your career. But even with what …

Continue reading “Annual Returns… The Trickiest Illusion of All”

Ouch!  The market had a hiccup last week giving up nearly all the gains it attained over the summer. Now, maybe you don’t have enough in the market to worry about that hiccup or maybe you have enough invested that you now feel you need to hold on until this market recovers and you regain …

Continue reading “How to Protect Your Gains”

Charles Dickens begins A Tale of Two Cities, with the following words. “It was the best of times, it was the worst of times, it was the age of wisdom, it was the age of foolishness, it was the epoch of belief, it was the epoch of incredulity, it was the season of Light, it was the season of Darkness, it was the spring of hope, it was the winter of despair…” And …

Continue reading “A Tale of Two Policies”

The cost of college is rapidly growing.  According to Forbes, the “price of college is increasing almost 8 times faster than wages.”[i]  And to make matters worse, educational loans have become the largest block of debt, behind housing, that exists in American today. Statistics gathered by the College Board,[ii] show that the average debt assumed …

Continue reading “Overcoming the Cost of College”

It’s not that you can’t earn a higher rate of return or that you can’t defer taxes and pay them later.  In fact, it’s not even about market risk or how much you make.  It’s all about the fact that YOU Deserve Better! You’ve been told you can earn a 6.47% rate of return on …

Continue reading “You could be losing over $70k while earning a 6% average ROR!”

“Fear of running out of money before you die” is the biggest fear that Americans face today, behind terrorist attacks and government corruption.[i]  And yet, for pennies on the dollar, you can overcome that fear and gain confidence about your financial future. More and more people believe the deck is stacked against them, and that …

Continue reading “How to reduce the cost of your mortgage to $16/month”

Recently, Dave Ramsey was busy bashing life insurance again. It must be pretty dull having to pick on the same subject all the time, without having any facts to back up your opinion.  Anyway, Dave mentioned that life insurance was too costly to maintain.  Ramsey also says there are better places to invest your money, …

Continue reading “Are You Sure You Should Pay Your House Off Early?”

Millennials are wrong again, but as usual, they think they’re right! Being a Millennial, gives me a license to pick on my generation. We think we’re pretty smart and savvy, but according to a fascinating article by Jason Fischer, we could benefit by correcting some of our outrageous assumptions about life insurance. September is life …

Continue reading “September is #Liam”

Millions of Americans are finding out the hard way that the money they were promised for their retirement is gone!  Which means it is NOT there for them. That’s right.  People don’t want to talk or hear about it, but according to the latest research out of Boston College, 1 out of 4 corporate pension …

Continue reading “What Happened to Your Retirement”

It was the summer of 1995 and Attorney George W. Dodge went on CNN to broadcast to everybody that the former Chief Justice Warren Burger had made big “whoops” by not having a proper Will drafted at the time of his death.  Dodge claimed that he could have saved $450,000 of that estate if the …

Continue reading “Whoops! Where is the Will?”