My Comments: I posted recently that we had better revise our investment expectations downward if we are planning to use our retirement savings to sustain our standard of living for the next twenty years or so. I attributed the likelihood of lower growth and investment return numbers on demographics and a rising interest rate environment. …
Tag: adviser
CBO: Conservative Bulls**t Obliterator
My Comments: I am relatively powerless as one of some 325M people living in these United States of America. But I have a voice and at least a few people read my blog posts. I’m disturbed by 45’s apparent glee in ceding global economic and moral leadership to China and Germany and other nations. I’ve …
Dangerous Retirement Myths
My Comments: Myths, risks, assumptions, variables. What’s your poison? Retirement is both a frightening and exciting time to be alive. Frightening as it quantifies the start of the end and exciting because, if done right, it creates new opportunities for life. Wendy Connick \ May 26, 2017 Don't put your retirement dreams at risk by …
Ethanol In Our Gas?
My Comments: Do you ever notices those little signs on the gas pumps? The small notices that tell us 10% is actually not gasoline? Do you ever wonder why they are there? Me neither. Clean air, global warming, political deal making, the Paris Climate Agreement - who knew this stuff was so complicated? William O'Keefe …
Maximize Your Medicare
My Comments: The ideological fight now gripping much of the country includes healthcare and whether it’s a privilege or a right. It is moving rapidly into the arena of a ‘right’ as opposed to a ‘privilege’. Some of this is driven by demographics; the number of people qualifying for Medicare is growing daily. Some of …
This Is Not How A Bear Market Starts
My Comments: Today is Memorial Day, and the markets are closed in this country. It’s a day for us to instead remember those of us who gave their lives that we might continue with ours. Pray that fewer lives will be given in the years to come. The following comes from someone whose name I …
Demographics and Money
My Comments: If you are in pretty good health today, chances are you’re going to live into your 90’s. Which begs the next question: “How are you going to pay for food, shelter, medical care, etc.”? This is a global conundrum, brought about by medical advances and a reluctance on the part of people like …
Long-Term Care Options
My Comments: Dr. Gloom here again. I suppose there is value in denial. At least I hope so. However, aging gracefully is not easy. When getting up in the morning is a struggle and you can’t remember if you’ve brushed your teeth, there may be a looming bump in the road. Couple that with both …
Re-Negotiate NAFTA?
My Comments: The North American Free Trade Agreement was passed by Congress on 11/30/1994. It was approved by 34 Republicans and 27 Democrats. It’s purpose was to increase trade across North America without creating a single currency among the three countries involved. 22 years later, industries specific to each country have evolved to reflect strengths …
Social Security Rules
My Comments: For millions of us, Social Security is critical for keeping our heads above water. If you are just now entering the transition to retirement, what you read here is basic information you need to be aware of. Wendy Connick / May 12, 2017 Calculating your Social Security benefits can get...complicated. It's not just …
Helping Define Your Financial Future 