The people's voice of reason
The people's voice of reason
Sorted by date Results 1 - 13 of 13
What is the market going to do? I don’t know. You don’t know. You can’t find anyone who does know exactly what the market is going to do. That’s why it is called speculation. And it is exactly why so many people choose not to invest. They are risk averse and can’t find the perfect time to enter the market. They have seen the stories of investors who have lost thousands or hundreds of thousands and have vowed to never be in that position. They have seen other investors who have timed the marke...
Look back over the past decade at some of the things you have done or accomplished. You may have gotten married, graduated college, had a baby, started a business, bought or sold a house or retired. Now examine the financial moves that you made regarding those accomplishments. Other than right now, how often have you thought about or reviewed those financial decisions? If your answer is not very often or never, then now is the time to do so. Now, when you talk about looking back over that past...
Ok, so you’ve heard me talk about the importance of life insurance and long term care insurance. But there is another type of insurance that is very important as well. If something happened to you today and you were not able to work anymore or at least for a long period of time, how would you pay your bills, buy food for your family or buy anything else needed for your family. Now, most of you might have a good six months or more worth of income saved up which could cover you or at least buy y...
You’ve been working the same job for years and dutifully contributing to your 401k and receiving matches. You’ve built up quite a nest egg. Then one day you leave for a new job with benefits that include a 401k. Now you are faced with a dilemma of what to do with your 401k assets at your old job. Before you make any hasty decisions, please sit down with an advisor and learn what your options are and how each would affect your retirement going forward. One option may be to leave your money right...
Do you have anyone in your family who has been affected by Alzheimer's, Dementia, a stroke or who has suffered an accident that has left them in a position to have to receive 24 hour care? If so, do you know how they paid for it? In a lot of cases, these individuals or their family members had to pay for that care out of pocket. And because those resources are often very limited, they end up having to move in with other family members like their children or siblings and those family members...
Alright! It is a new year. What are you going to do to make sure you are prepared for retirement? Depending on your age, it may be a long time off or it could be knocking on your door. But at some point, most of us will be faced with the realization that it is time to retire. And then, you have to decide what kind of retirement you want. What kind of retirement do you imagine? Do you imagine yourself waking up to a blank canvas? Or do you imagine yourself still working in your retirement years?...
Well, it’s that time of year again. Time to start thinking about your resolutions for the New Year and making your plans and goals for the New Year. I’m sure most of you, like myself, will have the usual resolutions of exercising more and eating better but what we need to add to that are resolutions concerning our finances. First, you’ll want to work out your budget for the year and then determine where there are holes in your financial design. Let’s start with your insurance needs. Make sure yo...
Ok, so you’ve heard me talk about the importance of life insurance and long term care insurance. But there is another type of insurance that is very important as well. If something happened to you today and you were not able to work anymore or at least for a long period of time, how would you pay your bills, buy food for your family or buy anything else needed for your family. Now, most of you might have a good six months or more worth of income saved up which could cover you or at least buy y...
What is the market going to do? I don’t know. You don’t know. You can’t find anyone who does know exactly what the market is going to do. That’s why it is called speculation. And it is exactly why so many people choose not to invest. They are risk averse and can’t find the perfect time to enter the market. They have seen the stories of investors who have lost thousands or hundreds of thousands and have vowed to never be in that position. They have seen other investors who have timed the marke...
You’ve been working the same job for years and dutifully contributing to your 401k and may be receiving matches. You’ve built up quite a nest egg. Then one day you leave for a new job with benefits that include a 401k. Now you are faced with a dilemma of what to do with your 401k assets at your old job. Before you make any hasty decisions, please sit down with an advisor and learn what your options are and how each could affect your retirement going forward. One option may be to leave your money...
Do you have anyone in your family who has been affected by Alzheimer’s, Dementia, a stroke or who has suffered an accident that has left them in a position to have to receive 24 hour care? If so, do you know how they paid for it? In a lot of cases, these individuals or their family members had to pay for that care out of pocket. And because those resources are often very limited, they end up having to move in with other family members like their children or siblings and those family members b...
It's easy to put things off. There are so many things that we have to deal with on a daily basis that when it comes to some things that we know we need to do, we just put it off until tomorrow. The next day rolls around and we either forget that we were going to do it or we find yet another reason to put it off. That is not always a bad thing, but when it comes to important matters in our lives and the lives of our family members, then it could be devastating. One of those important matters is...
It seems like things are just getting busier and busier. You get up in the morning and life takes over. Whether you're trying to get kids to where they need to go, both spouses are working or you travel for your job. There is always something going on or someplace you need to be. Time is precious and it feels like there is not enough of it to go around. When your day is finally over, you may only feel like relaxing before going to bed. Then you get up and do it all over again. Day after day, it...
