My Comments: I recently received an email from Don Graves, the author of the following words since I’m on his list of contacts. I got that way several years ago when I spent six months studying for and passing an extensive license process to be qualified to offer reverse mortgages to anyone interested. Then along …
Continue reading An Idea to Help Manage Seven Common Retirement Disruptions
I don’t know who first authored the following thoughts. My only clue is it appeared recently on a news feed followed by the initials LW. The ideas expressed are fascinating and very relevant for those of us 60 years old or more. Some of them might not apply to you but many resonate with me. …
The 4% rule ~ This “rule” is used to describe the rate at which money is withdrawn from “retirement” accounts designed to help pay bills when you retire and stop working. The goal is to never run out of money. It evolved many years ago to include the assumption it would keep you from running …
My Comments: My early years were spent in Europe where I learned our climate was moderated significantly by the Gulf Stream. Warm water flowing up from the tropics assured us that freezing to death in England and France was a rare happening. My life on this planet is increasingly limited. I’m truly concerned about a …
Continue reading Gulf Stream weakening now 99% certain, and ramifications will be global
My Comments: What follows here was triggered when my cousin in England sent me an email the other day telling me about an article that appeared recently in his local newspaper. Turns out it's something I wrote that appeared in the Gainesville Sun in November of 2019. It appeared in the Sun when it was …
My Comments: This is Part Three and the last one in this series. My hope is you’ve read Part One and Part Two and ready for Part Three of the series and for it to end. I’ve attempted to provide the reader with a comprehensive and somewhat detailed overview of annuities and how they can …
My Comments: Two days ago I posted Annuities: Part One. In this post my attempt is to expand on a readers understanding of annuities in general so that if anyone sees this as a viable way to set aside money for the future, they’ll have a better understanding of the variables involved and how they …
My Comments: This post is for those of you who might be considering an annuity to help fund your retirement. It appears here as Part One with Part Two and Part Three to follow this week. It’s long and detailed so you’ll likely find yourself in the weeds from time to time. My source of …
My Comments: These words were spoken at least 30 years ago by Dr. Alan Loy McGinnis at a meeting of the Million Dollar Round Table, an organization representing the elite among life insurance salesman across the country. Whenever I feel the need for a mental boost, I re-read his observations about life and how to …
I’m sure you’re already aware the markets are very uncertain these days. For most of us, they’re down significantly for the year. For every pundit who says there’s a lot more downside to expect, there’s a pundit telling us we’ve essentially hit the bottom and the upside looks like a return to normal. After …
Continue reading The Retirement Life – The First of Many Steps
Helping Define Your Financial Future 