My Comments: If you pay for the gas you use in your car, these are good days. If your life depends on a job in the oil extraction industry, no so good. You can argue the merits, or lack of merits, of fracking, but as the worlds largest consumer of oil, we’re increasingly unaffected by …
Author: Tony Kendzior, CLU, ChFC - Financial Planner
I've lived happily, raised a family, and enjoyed a professional life in Gainesville for over 50 years. The next several years are full of promise. My goal is to find new clients, new friends and somehow share the wisdom I've accumulated over these many years. And when I have time, play a little golf and travel with my family. Cheers!
Our Place in the Cosmos
My Comments: This has nothing to do with economics or finance or asparagus. Whatever it is that allows me to think about and observe our presence on this relatively miniscule lump of rock in the cosmos we call earth is beyond my ability to understand. This is an image of a tiny piece of sky, …
Hump Day: The Origin of Asparagus
(Courtesy of a six year old…) In the beginning, which occurred near the start, there was nothing but God, darkness, and some gas. The Bible says, "The Lord thy God is one," but I think He must be a lot older than that. Anyway, God said, "Give me a light!" and someone did. Then God …
WHEN You Retire Makes a Difference
My Comments: If you accept that life is finite, then luck and a roll of the dice has a lot to do with how your life will play out financially. Saving and investing for retirement over many years is a prudent strategy. Time is mostly on your side and the compounding of returns can help …
An Affordable Care Act Idea
My Comments: Based on my background in economics, finance and a professional interest in health insurance, on balance I have strong, positive feelings about the Affordable Care Act. Here is one reason why. Our culture has evolved to where instant gratification is in high demand, to where there is an assumption that any solution more …
Brazil Heads Closer To Total Collapse
My Comments: Many are waiting for the penny to drop indicating a new global recession and collapse of the stock markets. Is this it? Oct. 19, 2015 by Ian Bezek Summary Brazil's economic "Superman" may have resigned Friday, according to conflicting media reports. Brazilian shares and currency fell sharply after Friday's market close. His departure …
Should You Pay Off That Mortgage Before Retirement? Not Necessarily
My Comments: In all my years as a financial planner, the mantra has been to make sure the mortgage goes to zero at about the time you retire and quit working for money. The crash of 2008-2009 has made this very difficult for a lot of people. Another strategy, not referenced by Kiesnoski, is to …
Continue reading Should You Pay Off That Mortgage Before Retirement? Not Necessarily
The View From Across the Atlantic
My Comments: Sometimes it’s difficult to see the forest for the trees. When that happens from time to time, it’s helps me to get another perspective. This one is from England. It’s about the chaos in the political party not now in the White House. This party is searching for new leadership and reading this …
Your Retirement Plan Could Be Seriously Flawed
My Comments: I’ve been talking about retirement with clients for the past 30 years. From day one I’ve stressed that I have no idea what I’m having for supper tonight, much less how much money they will need 30 years from now. We can make projections and predictions until the cows come home but it’s …
Continue reading Your Retirement Plan Could Be Seriously Flawed
An Engineer Explains Trump’s Wall
My Comments: For many, a bigger and better wall to keep out undesirable people is a plausible solution. But sound bites are not enough; someone will have to design, build and pay for it. I left out the construction drawings to keep the message more simple, but if you want to see them, go HERE. Ali …
Helping Define Your Financial Future 