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Are you an investor, a speculator, or a saver at heart?

One choice you will have to make with your retirement money– if you are ever going to sleep well at night– is to determine if you are a long term value investor — or a market timing speculator. Let’s first define the difference between investing and speculating. An investment involves cash flow and return. Speculation…

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Are You Making This D.U.M.B. Money Mistake?

With all the good news in the stock market and the economy (except for a hiccup here and there) it is easy to assume that we are sitting at a point in history that is ideal for the person about to retire. I take an entirely different viewpoint. I believe we have finally reached the…

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How To Predict Your Life Expectancy

When you are considering when to collect retirement benefits from Social Security or you are designing a financial plan to fund your full retirement, one important factor to take into account is how long you might live. A well conceived plan should include multiple, diversified streams of income with high reliability for the full duration…

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Who Needs Long-Term Care? And, Why Bother Protecting Yourself?

Who Needs Long-Term Care? When you are still in good health and feeling too young to worry about the idea of needing care yourself one day, it is easy to skip over the concept of protecting yourself. After all, there’s always tomorrow– or next year, right? Here’s the problem: Every year you wait to secure…

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The 4 Important Phases of Your Financial Life

There are four basic phases to your financial life: 1) The Start Up Phase (age 20-35) where you are struggling to get ahold of your finances and get to a point where you can truly start saving, then comes 2) The Accumulation Phase (age 35 to 55) where you get serious about contributing to a…

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What Is An Annuity, and How Do You Compare Annuities?

How do you compare the benefits and features of each type of annuity? Generally speaking, Baby Boomers are independent thinkers. They have always been unwilling to accept old-guard thinking that no longer applies to them, or to the current world. Suddenly, in the past few years, annuities are rising in demand as Baby Boomers retire.…

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