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Happy 4th of July- The Freedom to Invest
This 4th July is a celebration of independence. The celebration is the US leaving the rule of UK which is the birth of the US. Independence is very important. In the investing world, independence can also be important. We should also celebrate our freedom to have so many investing options, asset classes, risks, and account…
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The New Income Investors
The gift of income has been years in the making. From a 2% world to “real” yield. The yield race is on. Recently we saw the 6 month US Treasury yield hit 4.99%. We now see the 1 year US Treasury hit 5%. Why is this important? For fixed income investors, this is a godsend.…
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The Medicare Maze
Welcome to the world of Medicare. Its an interesting maze. Like a mouse maze, Medicare has different paths. Some dead ends, others successful. Although Medicare is difficult to navigate, there is an ability to plan a successful health care plan at age 65. Life is about planning and goals. This was taught when we were…
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Best Time to Backdoor a Roth IRA
Bears are interesting animals. Bears are known to walk slowly but can be ferocious. If you’ve ever seen the power of a bear, you’d know what I mean. A perfect example of the power of a bear is the Hollywood movie scene “The Revenant” with Leonardo DiCaprio1 playing Hugh Glass getting mauled by a bear.…
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High Earner Not Rich Yet (HENRY) 4 Financial Tips
Economic cycles come and go. The ups and downs are similar to trying to soothe heartburn. The ups and downs can be compounded when being a high earner and not yet rich yet (HENRY). HENRY’s usually make income from $100k to $300k. Although HENRY’s pay some of the highest taxes, there are ways to make…
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The Psychology of Investing
Keeping calm amid market turbulence. Join us on this webinar to discuss: What behaviors to watch out for. The impact they can have on your wealth. How to minimize the impact of emotions on your investments. Reach your financial goals with your mind at ease. At the end of the seminar, you will learn about:…
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Interest Rates: It’s a Question of Time
Remember Depeche Mode? You know the 80’s New Wave band? They blasted through the US charts. One of their iconic album’s was called “Black Celebration”. This album was a sensation. One particular song of interest from the album was “A Question of Time”. Lyrics: It’s just a question of timeAnd it’s running out for youIt…
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Mistakes Federal & City Employees Make Before Retirement
Big government agencies, cities and municipalities are becoming larger and financially unsustainable. Many jobs performed by humans are being eliminated. As an employee of a government entity, it’s important to insulate your retirement against the impending robot revolution. Here are 4 common mistakes before retirement to avoid: # 1 – Pension Equals Security The most…
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Big Bank Financial Inclusion Myth
Big banks jump on the latest trends with the term “financial inclusion” for the masses. But, is financial inclusion from big banks a myth? Recent news from Wells Fargo shows quite the opposite of inclusion from Wells Fargo by eliminating revolving lines of credit of users borrowing $3,000 to $100,000. Although this is financial exclusion,…