What age should retirement be planned to?

One of the big discussions in the profession is choosing the age retirement should be planned to. Should it be age 95? Age 100? Some other age? Here’s a good brief discussion on the implications of choosing an age: “How Life Expectancy Affects Retirement Planning” by Mark Miller at Morningstar. Assuming you’re younger than in […]

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How do those “free dinners” really work?

You’ve probably got a dinner invitation in your mail. Free dinners are popular marketing ploys. “The hook” is the free meal. You bite. The salesperson reels you in with a compelling presentation. They land you when you buy what they’re pitching. No surprise – typically it’s an annuity. Why typically? Because they have high commissions, […]

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Tarriff Wikimedia

Tariffs – a Balanced Look (i.e., no politics or opinions)

“Tariffs are one of the oldest trade policy instruments, with their use dating back to at least the 18th century. Historically, the main objective of a tariff was to raise revenue (my emphasis). In fact, before ratifying the 16th Amendment in 1913 and formally creating the income tax, the U.S. government raised most of its revenue (taxes) from tariffs. Even so, […]

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Happiness and investing? Can you do both?

Happiness and investing? Can you do both?

The Happiness Equation, as it relates to investing, is an interrelationship between your perceptions and expectations of investing and events. How do you manage happiness when you can’t manage the markets or the events that influence the markets?   The inserted article below explains.   The happiness equation from Better Financial Education   Note: Your […]

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Different kinds of debt by age - some surprises!

Different kinds of debt by age – some surprises!

When it comes to debt, there are many different kinds.  There is mortgage debt (primary mortgages, second mortgages, lines of credit, etc.), vacation home or secondary residences, credit cards, education loans (both owed by students, or by parents and/or grandparents), vehicle debt, and other miscellaneous debts (e.g., loans against pensions or life insurance). I’ve written […]

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