Why 62, 67, and 70 Are the Best Ages to Claim Social Security

My Comments: After earning a living as financial planner for many years, I've confronted the question of when to claim Social Security benefits both for my clients and myself. As I'm now semi-retired, I'm less inclined to post articles to my blog several days a week, but this topic demands some attention. If you were …

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How to Write a Will and Why You Need One (Even if You’re Young and Broke)

My Comments: I recently posted about why having a will is important. One reason the idea is not treated with the respect it deserves is that most people think it's necessary to hire an attorney, especially if you want to get it right, and there's a natural reluctance to get it done. These words from …

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America’s Hollow Middle Class

My Comments: I grew up in America believing I was a member of the American Middle Class. We were not poor people and we were not rich. We enjoyed the trappings associated with my father having a good job as a college educated engineering degree. We never missed a meal, always lived in a single …

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Most Financial Plans Set To Fail Miserably Over The Next Decade

My Comments: Just to be clear, I have no clue what tomorrow will bring, much less what will happen over the next decade and longer. On one hand you have investment gurus arguing that 2021 is going to be a banner year for the stock market, along with other presumably knowledgeable gurus saying get ready …

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Murphy’s Laws – Part Three

My Comments: Here is Murphy's Laws Part Three. This is the third of six such lists that I'm sharing with my readers. As a reminder, they're not in alphabetical order, so don't assume there's another message to interpret.   -Help a man when he is in trouble and he will remember you when he is …

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This Is The End Of An Era For The US News Media

My Comments: Fortunately, I live in a relatively small rural town that still has a viable daily newspaper. That's not to say I haven't thought about unsubscribing since it's now much thinner than before and yet much more expensive. What cost about $25 for a month's delivery to my house in 2013 is now $75. …

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The death of the department store and the American middle class

My Comments: First, a warning; the following words from Jason Del Rey read like an economic dissertation. For those of you interested in investing your money for future gain, or having a better understanding of why your middle class life seems to be declining, you may want to read it to the bitter end. For …

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Murphy’s Laws – Part Two

My Comments: Here is Murphy's Laws Part Two. This is the second of six such lists that I'm sharing with my readers. As a reminder, they're not in alphabetical order so do with then what you please. -Etorre's Observation:   The other line moves faster. -First Law of Revision:   Information necessitating a change of design will …

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Investors need to know exactly what being a ‘fiduciary’ advisor means

My Comments: Over the years, I've made a habit of telling any potential client that I embrace fiduciary standards when it comes to working with them. Too often they have no clue what I'm talking about, so I explain. If you find yourself talking with a financial advisor, whether it be at a bank, at …

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Murphy’s Laws – Part One

My Comments: We're all familiar with the common form of Murphy's Law which says to the effect that if something bad can happen, it will. What's lesser known are the many, if not hundreds, of other "Murphy's Laws" that have surfaced over the years. At some point in my history, I encountered such a list, …

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