My Comments: Yesterday, I posted an article that suggested what you might expect over the next six years if you are a generic investor. You have money positioned here and there across the globe in traditional investments. Today I post an article that posits further evidence that we have structural problems that need resolution. The …
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!
If Trees Don’t Grow To The Sky: The Next 6 Years
My Comments: You’ve read my earlier comments about whether the world we now live in is a different world. The details have changed, but the fundamentals have not. The following article will cause you to think twice if have not made plans for your money to be protected going forward. Charlie Bilello, Pension Partners, Mar. …
Continue reading If Trees Don’t Grow To The Sky: The Next 6 Years
Life Insurance and Retirement
My Comments: This is not an easy idea to talk about. The article came from someone critical of Dave Ramsey and Suze Orman, who argue that premiums for life insurance in retirement are an extravagance. Some of the assumptions made by the author can be questioned, but the overall theme is essentially correct. Personally, I’ve …
Euro: Parity Like It’s 1999
My Comments: The writer featured here provides, in my judgment, the most insightful reflections on what is happening economically across the globe. It appears here without his permission, but unless and until I’m told not to share them with you, I plan to continue. March 20, 2015 / Commentary by Scott Minerd, Guggenheim Partners Europe …
Retiree Health Costs And Employee Ignorance
My Comments: This article appeared recently in a weekly summary of articles designed for advisors whose clients are typically small businesses. At this point you need to ask for a definition of “small business”. It depends. About 30 years ago I qualified to attend an insurance conference. I was roomed with a fellow advisor from …
Continue reading Retiree Health Costs And Employee Ignorance
Clinton And Gender Politics No Simple Matter
My Comments: Unlike many men, especially those from the Middle East and other parts of the world, I’ve never been troubled by a cultural dictum that says women are inferior. I have no problem responding to real leadership no matter where it comes from. I have other faults but I don’t think this is one …
Continue reading Clinton And Gender Politics No Simple Matter
Barack Obama’s Gamble on the Future of Iran
My Comments: I must confess to being tired of all the crap going on in politics, whether its local, state, national or international. Increasingly my opinions, concerns, fears, hopes, expectations, etc., seem irrelevant. The temptation is to walk away and try to ignore it. That’s an emotional response and there’s a parallel with my universe …
Continue reading Barack Obama’s Gamble on the Future of Iran
Why Invest in Real Estate?
My Comments: This is a topic about which I know relatively little. But it’s real, people do make money, sometimes lots of it, and over the few years since the crash that started in 2008, some folks have made tons of money. The dramatic opportunities are probably behind us for a while as after several …
This Too Shall Pass
My Comments: The daily grind of figuring out if you are going to make or lose money today can become tiresome. It’s the primary reason most of us turn the responsibility over to others. We tend to hope we made a good decision and leave it alone. It’s one reason I never subscribed to the …
5 Annuity Questions With Rational Answers
My Comments: Every year, many BILLIONs of dollars flow from the pockets of Americans into a financial contract called an "annuity”. Originally, the idea was to give an insurance company some of your money, and they would agree to send it back to you, with interest, over time. Over the years, the sophistication of these …
Helping Define Your Financial Future 