My Comments: It really helps to sometimes see life from 50,000 feet. This article does that for me. We get caught up in the crisis of the moment, which happens all the time. And depending on our age, we focus on what we need to do today. My focus is helping people create a worry …
Continue reading You’ll Never Get ‘There’ When It Comes To Your Finances
My Comments: My experience with our health care system comes from two sources. The first one is my 43 years as a licensed insurance agent. I saw health insurance premiums increase roughly 10% every year. The health insurance premium increases were largely a result of ever increasing costs, driven by the hospital industry, the pharmaceutical …
Continue reading 70% of Americans say our health care system is in a “state of crisis”
My Comments: I feel very fortunate in that I have few regrets after 77 years of life on this planet. Which is good since I can’t go back and do things differently. I suspect that’s why my entire focus today is what I can get done today and perhaps influence the future. I have no …
Continue reading This Is What Retirees Would Do Differently If They Could Go Back in Time
My Comments: For those of us who preach retirement planning, much of this is old hat. But for those of you just starting to get serious about thinking retirement, these are all valid concerns. But before you rush out and spend money, you need to better understand how you want your life to play out. …
My Comments: Social Security was created in 1935. Apart from one in 1939, since 1950, there have been 30 Amendments across the years. The one I best remember happened in 1983 when the Full Retirement Age changed from 65 up to age 67. Additionally, the income percentage that we paid (FICA), along with the upper …
My Comments: As always, this is when I try to identify and make a list of things I want to do in the coming year. And as always, I might get one done but by the end of January, it’s all in the rear view mirror. But that doesn’t mean new year’s resolutions are a …
Continue reading The Ten Best Personal Finance Resolutions for 2019
My Comments: I’ve written life insurance policies on men, women and sometimes children for over 40 years. In almost every instance, objectivity was hard to come by. The idea of death is difficult to talk about, especially when it’s about your death, or those you love. As I’ve aged and come to terms with my …
Continue reading The Most Overlooked Issue In Retirement Planning
My Comments: This is an alarmist headline written some five months ago. Because the ‘disaster’ has not yet happened, there’s a false assumption that it won’t happen. Markets crash, whether we like it or not. No amount of bluster by the political party in power or the efforts of the Federal Reserve will change the …
Continue reading America Is Overdue for Another Economic Disaster
My Comments: I don’t care if you are already receiving Social Security benefits or not, this is something every one of you should do. What you will find is that the Social Security website is a really good one, full of useful information and easy to navigate. If you expect to start receiving a monthly …
Continue reading If You Do Only 1 Thing This Social Security Month, Do This
My Comments: As someone who depends on payments from the Social Security Administration to maintain my standard of living, the idea that people in Congress are considering reducing those payments is concerning. We have to hope that elected representatives find a reasonable solution that will allow the program to remain viable. It’s become an integral …
Continue reading Social Security and the U.S. deficit: Separating fact from fiction
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