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Uninformed or unscrupulous advisors have been guilty of telling others NOT to purchase life insurance. Their reason for spreading this propaganda varies from being naïve as to how life insurance works, to being over desirous of wanting to manage more of their clients’ money. Either way, those who listen to such advice lose out financially. …
Continue reading “What Kind of Life Insurance Do You Need?”
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A mere relationship is not the same thing as being committed. A relationship is something that two or more people enter into in order to receive a desired outcome that would be more difficult or even impossible without a relationship. When a relationship no longer satisfies, it is dissolved or ended. Investing money is a …
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Ice cream containers are shrinking – again. It used to be common for ice cream to be sold in a half gallon cartons. Some years ago, cartons shrunk to 1.75 quarts and just recently many ice cream cartons shrank again to only 1.5 quarts. Prices, however, did not shrink accordingly. Most prices stayed the same. …
Continue reading “Inflation Has Hit The Ice Cream Market Once Again!”
Read More...Last week while grocery shopping, we noticed ice cream containers had been reduced from 1.75 quarts to 1.5 quarts, much like what happened several years ago when the containers were reduced from half-gallons to 1.75 quarts. Of course, what didn’t decrease was the price per container. Obviously, the creameries are facing increasing cost of supplies …
Continue reading “Inflation: What It Is, What It Does, and What Can You Do To Offset It”
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Equity, debt and hybrid securities are readily transferable units of goods or resources which either provide ownership, the option for ownership, or the right to be paid back on an assumed debt(loan) over a specific period of time. The idea that securities acquired their name because they keep your money secure is a huge misnomer. …
Continue reading “Securities, Stocks and Guarantees”
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Which Investment Type Typically Carries the Least Risk? When it comes to investing, some people look to investment opportunities with large potential returns. They may hope to make a large amount of money in very little time, and you might find this option intriguing. Unfortunately, the higher the potential return, the higher the risk …
Continue reading “Low Risk Investments: What Are the Safest Investments?”
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529 plans are touted as a way to save for your children’s education. But saving money in a 529 plan is a lot like sending your money to jail. Once your money is in a 529 plan you can’t use it for anything other than education. If you need to use that money for other …
Continue reading “529 Plans and the New Year”
Read More...With the ever-rising cost of education and student loan debt (currently over a whopping $1.7 trillion), many parents worry about paying for their own and/or their children’s education. 529 plans have consistently been pushed as the best savings option to help qualm these educational cost worries, but with specific use cases and possible tax penalties, …
Continue reading “529 Plans and What Happens When Funds are Not Used”
Read More...“Diversification,” according to Warren Buffet, “is protection against ignorance. It makes little sense for those who know what they’re doing.” This is because diversification for most financial planners and investors merely means spreading your equity across multiple asset classes in hopes of avoiding correlated losses from occurring all at the same time. But does it …
Continue reading “Diversification: Is it Truly the Protection You Need Against Market Volatility?”
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Residual income is commonly confused with passive income. Although the two terms are often used interchangeably there are some important technical differences. Some people find it easier to think of residual income as cash flow. Whether you are working in Personal or Corporate Finance, a strong residual income is highly desired, because it is an …
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