My Comments: I’m unsure about the title of this article; is the author talking to us, to the Israelis or both. Personally, I’m all for the deal that was signed on Monday. I’m persuaded the choices are either an agreement based on mutual distrust, made by skilled negotiators, or war. And I’m sick and tired …
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!
Social Security: When to Claim at 66
My Comments: Many of my close friends, clients and associates have long since started taking their Social Security benefits. For those of you who have not, there are probably some issues you need to explore before you sign on the dotted line. A generation ago, 65 was the automatic full retirement age. Rembember the phrase …
Possible Changes Afoot in Medicare, Social Security
My Comments: Medicare and Social Security are now entrenched in the national psyche. They are effectively are redistribution of earned income, designed to benefit those of us whose social contract with the United States has been in effect for a long time. With the billions of dollars involved, there are going to be exceptions to …
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Who Now Pays for Healthcare?
My Comments: A fundamental shift being triggered by the PPACA (Obamacare) is the level of income earned by medical specialists and medical generalists. In order to make it more attractive for a medical student to focus on primary care, the idea was to compensate specialists less and instead redirect those funds toward those focused on …
Government Speak
My Comments: Many of us remember a simpler time, not just in politics but in medicine. As we grow older, we tend to interact more and more with the world of health care providers, who have a language all their own. The following comes from the June 2015 internet magazine published by MDPreferred. Doctors and …
Staring Into An Abyss
My Comments: Greece is the focus for many of us whose professional interest is the management of money, both for ourselves and our clients. I’ve said the crisis has the potential to be calamitous, not just for Europe, but for the rest of the world too. Here, Scott Minerd suggests we step back a bit …
Europe’s Dream is Dying in Greece
My Comments: Society evolves, just like animals and plants. But it takes time, and we are conditioned to want it NOW, not over the next millenia. If there is enough collective will, the European Union (EU) will survive by evolving to accomodate Greek society. The players themselves are going to have to find the right …
A Basic Social Security Quiz…
My Comments: Many are railing against capitalism these days and others against socialism. If you’re adamantly opposed to socialism, I trust you’ve refused to cash your social security checks. Yes, you paid into the system, but the bulk of the money you get comes not from what you put in, but from what our children …
Exposing The Dark Side of Personal Finance
My Comments: A recent report that airlines may be colluding on price is but one example of corporate excess that pervades our system. It’s not yet systemic, but given the opportunity, corporate America will take steps to advance its own cause at our expense. After 40 years as a financial planner, I’m sensitive to questionable …
THE FOUR ESSENTIAL CHARACTERISTICS OF ALL BEAR MARKETS
My Comments: This article comes from January, 2009 and was written by Nick Murray. Two months later, the bear market that started in mid 2008 was over, though it took some time to realize. Meanwhile, we’ve been in a bull market for over six years now, and many are suggesting we are overdue for a …
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Helping Define Your Financial Future 