5 Answers Every Investor Needs to Know About Annuities

My Comments: Giving answers implies there are questions that need answers. And anyone asking about personal money these days needs to know more about annuities. Not because you should necessarily put money into them, but because they are uniquely qualified to provide solutions that can can be found no where else. It turns on whether …

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Guess Who’s Back? The Middle Class

My Comments: There is lots of handwringing about last Tuesdays election results. And lots of people looking for someone to blame if it didn’t meet hopes and expectations. One of my long time concerns has been the growing inbalance between the haves and the have-nots. Statistically it’s very real with the middle class that evolved …

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5 Reasons Why You Should Be Afraid Of A Bear Market

My Comments: Until I found this, I had never heard of hedgewise.com. I make absolutely no assertion that they know what they are talking about. My personal solution for you is quite different from what you read below, but this part of life is almost always a guessing game. Oct. 30, 2014 http://www.hedgewise.com/ Summary • …

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The Fiendish Bond Market Needs a Radical Rethink

My Comments: In keeping with my recent posts that suggest a strong market correction is coming soon, some readers have suggested the solution is to shift away from stocks into more bonds. I remind them that interest rates have been declining since 1981 and they too will reverse course at some point. When they do, …

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Europe Must Act Now

My Comments: By now you may be tiring of my posts that say a market crash is coming and yet here we are moving along merrily. But like a broken clock that is correct at least twice every day, I’m confident that a crash will happen before long, and it won't be a slow decline …

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Banquo’s Grain and U.S. Interest Rates

My Comments: I had no idea what or who is/was Banquo. Nor why ‘grain’ has any relevance. But I like to share the thoughts of this writer from time to time as his insights are often right on the mark. Remember what I said last week about the possibility of rising interest rates in the …

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Markets Up or Down Next Five Years?

My Comments: Here’s another cautionary tale to put somewhere in a mental box to look at when you start thinking again about your financial reserves. That another crash will happen is almost certain. What is not certain is when it will happen, so all you can do is decide whether you want help to figure …

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Short-Term Optimism, Longer-Term Caution

My Comments: You by now know that I'm expecting a signficant market correction in the near future. However, when I say that, one has to wonder what I mean by "near". An analogy I sometimes use is a comment by a currency trader I knew years ago. His idea of "near" was in the next …

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The 3 Stages of Retirement

My Comments: I recently wrote about where we are now in the overall market cycle and the likely chance of a major disruption that will effect your financial future. My post was titled “Are We There Yet?” Most of us have visions of a successful retirement. Of course, “success” is dependent on your life today, …

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The Need for Speed — Is There a Limit to Moore’s Law?

My Comments: OK, this has nothing to do with investments or estate planning or taxes or what I usually talk about. It has to do with computers. My computer has sat on my desk now for about 5 years and it works great. But the software is getting a little long in the tooth. Not …

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