Did you know, that successfully avoiding risk can be more important to your wealth than finding great returns? ⚠️ But most people (including financial planners) think they can “manage risk” when they’re simply hiding the risk instead. Don’t let this bite you.🦈 Learn from a real-life story of Steve Wynn’s Mirage Hotel & Casino + …

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The headlines blared: “Woman saves $7,800 a year on grocery items by couponing.” But what does that really mean? A South Carolina native recently was written up for her frugality, having cut her weekly grocery shopping bill from $200 per week down to only $50 per week, due to her couponing. Inspired by the TV …

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Anybody can lend money, but typically lenders are banks, credit companies like Visa, MasterCard and American Express, or retail stores that offer an in-store credit card.  The rate of interest that is charged by these lenders can vary widely depending on the type of loan, the credit history of the person (business) applying for the …

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You will love this entertaining and useful example of a 5% average rate of return! 😯 And you’ll never think the same way about AVERAGE returns again. Explore how returns work in life insurance and what type of life insurance works best as a guaranteed foundation of protection and savings for your family. Information is …

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You wouldn’t work very long without some form of compensation.  But you might be stunned how many people permit their money to work for nearly nothing. Jeff and Jim are twin brothers.  Jeff believes he can consistently earn 8% in his portfolio and decides he’s going to put $2,600 each year into his investment. Jim …

Continue reading “The Bigger You Are, The Harder You Fall”

When you make a major purchase, you want to make sure the product you purchase is backed up by a good, solid guarantee.  In fact, you most likely would pay more to secure such a guarantee.  And that is because you simply can’t risk purchasing a lemon and having no recourse if something goes wrong.  …

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There’s a lot of “alphabet soup” 👀 surrounding HRAs (Health Reimbursement Arrangements), HSAs (Health Savings Accounts) and FSAs (Flexible Spending Accounts)…even people who are really smart managing money don’t always realize the potential of using these tools to save money. When it comes to HRAs there’s a traditional 105 HRA and also the QSEHRA which …

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It has now been over 10 years since the market crash of 2008.  And during the past decade, many have been lulled into believing that the high yields they have earned during that time are sustainable.  People have, once again, come to trust in dividend-paying stocks as safe and secure investments because they have forgotten …

Continue reading “If You’re Not Apprehensive, You’re Not Paying Attention”

Some days have evolved into being widely celebrated while others are just regular days even though they were once traditional holidays.  Boxing Day, the day after Christmas, is one of those days.  Once widely celebrated, it is mostly forgotten today. But dating from the early 13th century a “Poor Box” was opened and distributions were …

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My dad died on January 1, 2016. And Mom lost the income that came from his pension.  She also lost her Social Security but was able to continue receiving Dad’s. Even so, $1,100 and some odd change each month isn’t enough to live on.  And that is why as a married woman, you need to …

Continue reading “Why Life Insurance is So Important for Married Women”