My Comments: I’ve lived my entire adult life in the State of Florida, far from the Keys, which is where this article by Rawaha Haile is focused. My part of Florida is very different. For one thing my house is 75 feet above sea level, it’s surrounded by large oak trees, there’s a cow pasture …
Continue reading How a Shifting Climate Is Transforming Florida
My Comments: There’s a reason the term ‘mid-life crisis’ is in common use among everyday people. Many of us have had one. And then there is the ‘end-of-mid-life crisis’ that is yet to rear it’s ugly head. It happens when someone is about to retire and discover to their horror they are completely unprepared. For …
Continue reading Why This Popular Retirement Advice Actually Makes It Harder to Save
My Comments: Chances are you’ve heard of ETFs (Exchange Traded Fund). They are not to be confused with EFTs (Electronic Fund Transfers). Though I suppose it’s possible to have both involved in a given transaction. Given that most of us now realize that fees imposed by Wall Street firms, and non-Wall Street Firms, can be, …
Continue reading What are ETFs? Are They Different Than Mutual Funds?
My Comments: Virtually everyone I speak with about about their future retirement knows they need to pay attention at some point. But it’s normal not to worry too hard about something that’s not going to happen to you for several years into the future. In my online courses about retirement planning I make this observation. …
It's about as fun as herding cats, but rounding up all your IRAs and 401(k)s into just one or two accounts can really simplify your financial life. My Comments: The IRS says you can have as many retirment accounts as you like. All they care about is getting their share of the money when you …
Continue reading What to Do with All Those Old 401(k)s and IRAs
My Comments: I post this because you and I have the power to make sure the Social Security safety net is fixed so it remains viable well into this century. To make that happen, we have to put pressure on those whom we elect to represent us at the Federal level. It was last fixed …
Continue reading Retirees across America are facing a fiscal crisis as Social Security weakens
My Comments: Did you read the news bulletin last week that GE was terminating 4,000 salaried employees this week? There’s a reason for that and it’s described here. This problem is not just about GE, but about thousands of corporations and government entities that exist in the US. A pension plan like the one at …
My Comments: Bad things happen to good people from time to time. One of the bad things is that as we age, we tend to need more and more care from others to get us through the day. At some point, if you are still alive, it may be necessary for a professional to help …
Continue reading Don’t Fall for These 10 Long Term Care Insurance Myths
My Comments: While this was apparently written for Canadians, I assure you it is equally valid for those of us in the States. What you can never forget is that not every financial advisor or company offering investment products have your best interest at heart. That’s not to say fees are evil, they are not. …
Continue reading Here’s what fees can do to your retirement if you don’t pay attention
My Comments: Here are six interesting observations about life in retirement. Depending on your circumstances, I might not list them in this order, but they are all valid. I like to think each of us has three major phases of life; childhood, adulthood, and retirehood. ( not a word but you get the idea… ) …
Continue reading 6 Things No One Ever Tells You About Retirement
Helping Define Your Financial Future 