My Comments: Founded in 1982 at San Jose State University in California, the Bulwer-Lytton Fiction Contest challenges entrants to compose opening sentences to the worst of all possible novels. What follows here is The Bulwer Lytton Fiction Contest Winners for 2021 - Where *WWW* means Wretched Writers Welcome... On a personal note, I do feel …
Continue reading The Bulwer Lytton Fiction Contest Winners for 2021
My Comments: What follows is from a site I follow by a former emergency room physician who now teaches other physicians about investing their money. He writes a daily blog post and has a huge following. I don’t always agree with him but that acknowledges the fact there are almost always more than one way …
Continue reading How to Never Run Out of Money in Retirement
My Comments: My wife and I using this strategy. It means we don’t have a monthly mortgage payment to pay, despite not fully owning our house. Yes, we still pay property taxes, HOA dues, and homeowner’s insurance, but life is better without a monthly mortgage payment. By Georgina Tzanetos \ 4 OCT 2021 \ https://tinyurl.com/ygzs6644 …
My Comments: I’ve been covered by Medicare for 15 years, my wife for more than 10. It allows us the freedom to seek medical help whenever the need arises, without a corresponding fear of what it might cost. I’ve been a licensed insurance professional for over 45 years, during which I’ve sold dozens of group …
My Comments: When I was working aggressively to set aside money for retirement, the disadvantages of an HSA were stronger than the advantages. And I was then much younger and the full impact of health issues later in life had not yet been appreciated. And if I recall, if you died and there was money …
Continue reading The HSA – A Retirement Account Recommended for Anyone
My Comments: Once you reach adulthood, there are, in my opinion, three fundamental phases of life to experience. I refer to them as the GO-GO years, the SLO-GO years, and the NO-GO years. If you’re still in your GO-GO years, you should be to thinking about the next two phases. To a large extent, the …
Continue reading The 3 Fundamental Questions of Retirement Planning
My Comments: There is a growing sentiment that the stock and bond markets we watch on a daily basis are increasingly likely to experience what most of us think of as a crash, and soon. Just how soon is anyone’s guess, but I, for one, have moved most of my invested funds into cash equivalents. …
Continue reading Four Reasons The Next Recession Will Be Worse Than The Last One – Analysis
My Comments: FULL DISCLOSURE… There’s a fifth way to use your home equity not described here, but you have to be age 62 or above. Why do I know this? I recently passed a national exam and will soon be gainfully employed by a company called Top Flite Financial as a mortgage broker, specializing in …
My Comments: Here’s the scenario: you’ve worked a long time, set aside money for retirement, and it’s now time to pull the plug and RETIRE. You realize you need income from the various pots of money you’ve grown over the years, so you start withdrawing what seems like the right amount every month. A rule …
My Comments: As someone who will reach age 80 this month with 40 plus years in the bank as a financial advisor, I’m very well aware that “estate planning” has many meanings, depending on how old you are and/or how much money you don’t have. That being said, in my years as a financial planner, …
Continue reading 6 Essential Estate Planning Documents Every Adult Needs
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