Select Page

Articles

Why pay full retail?

Why pay full retail?

Let that sink in a minute – the 30 year cost could easily top a half a million dollars. Worse still – the meter is still running. Thirty years may represent the accumulation phase of our life, but the distribution phase (retirement) can last another 30 years. The math is exponential – meaning that figure can more than double over a lifetime.

read more
Tax (In)Equality?

Tax (In)Equality?

In a recent review of all things financial (my favorite pastime), I stumbled across this tidbit. More than one-half of all Americans pay no taxes on a net basis. In fact, the bottom three quintiles (the bottom 60%) have a net tax liability that is NEGATIVE.

read more
Good News – Bad News

Good News – Bad News

Good news from the non-profit Society of Actuaries – you’re likely to live longer. Since “mortality” tables were last updated in 2000, the average 65-year old woman will now live 88.8 years (up from 86.4 in 2000); and men will live to 86.6 (up from 84.6 in 2000).

read more
Flipping Coins

Flipping Coins

A recent S&P/Dow Jones Indices study came to the conclusion that those well-dressed, highly-compensated mutual fund managers (whom you and I are paying) – with all their research, glossy brochures, and inside access – aren’t all they’re cracked up to be. The...

read more
Pulp Fiction

Pulp Fiction

“Pack the car mama – we’re gonna live on Easy Street.” That’s the refrain I hear as the stock market continues to defy gravity and set weekly records. Everyday folks are running to the mailbox to see how much richer they are this month than last. I hate to burst your...

read more
Back to School

Back to School

Sending kids (back) to college can be a bit frightening for a whole bunch of Mom and Dad reasons. But one – often overlooked concern is financial literacy. Here are some conversation topics that could make for a real education. Credit Cards: Your kids will be...

read more
It’s All Relative

It’s All Relative

Those who follow me know that I’m not the biggest fan of Wall Street for the simple reason that the rules of their game are biased in their favor – and against the average investor. So when I ran across a recent article – authored by a Wall Street muckity-muck – I...

read more
A New Twist on Life Insurance

A New Twist on Life Insurance

One of the most daunting risks faced by those over 60 is the cost of long-term-care. And hey - if you’re far from 60 – don’t skip this article – it includes you! Experts say 70% of us will need some form of long-term care – and not necessarily the “end-of-life” kind...

read more
401k Guarantees?

401k Guarantees?

As my colleagues and I inform people about a pathway to personal wealth and retirement income that blows the socks off of “Wall Street” plans – we find more people coming to the defense of their 401k (or it’s close cousins – the IRA, 403b, 457, SIMPLE, and SEP). It’s...

read more