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The following article, courtesy of CNN, is a follow up to last week’s post Going Strong at 100 Years old – This article is about workers thriving at 70, 80, and even 100.
This isn’t just an occurence or happenstance, but a trend that will only become stronger. Here is the challenge and what you should consider: Whatever was [...]
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I don’t know if you know this or not, but according to the Social Security Administration 96% of Americans are not able to fund a retirement that will last for their lifetime…allowing them to live the lifestyle they wish to live! This is the case for highly compensated people as well as average wage earners. [...]
ShareIn case you haven’t noticed, we’re living through an era of massive social change. What seemed to be a given 10-15 years ago, seems a distant memory today. Some of these things can be explained by studying cycles and history. In order to understand the future (the Big Picture) and prepare yourself for the changes [...]
ShareOne of the fastest growing age groups are for people age 80 and older. There are also an increasing number of centenarians, people living to 100. 5, 10, 15 and 20 years from now the numbers will increase again, but at an accelerated rate. Think about that for a few minutes versus how you view things today.
In other words, you [...]
ShareAre You Addicted to the Internet?
The Internet has become so central to our lives that it has become tricky to determine how much time on the Internet is too much. We shop online…pay bills…check sports scores…play video games…visit chat rooms…and write on blogs. In a nationwide telephone survey of 2,513 adults, researchers at Stanford University [...]
Share7 Ways to Squash Identity Theft
It is the scourge of our age: identity theft. Thieves learn an important part about your personal information, such as your credit card numbers, and they open accounts in your name and spend, spend, spend! Unfortunately, by the time you discover that you are a victim the damage is already [...]
ShareHave you ever wondered why some people seem to have all the luck? Or, why some people always seem successful? I’ve always wondered what is it that sets a simple “average” life from someone who goes on to make a significant difference?
If there is one word that describes that difference it would have to be [...]
ShareJust something to keep in mind. On this journey to becoming financially independent, you need to learn to include your spouse when it comes to all major purchases. There are several reasons for this but let me point out a few of the more important ones.
1) Respect – When you get married, there can’t [...]
ShareKeep Things in Perspective – Some of the best things in life are free!
Photo by Eric Hannon
ShareFixed Annuities
Yesterday, I discussed fixed income funds and fixed income basics. Continuing with the same theme of preparing for retirement and considering how to create a sustainable fixed income stream, I am going to discuss fixed annuities today. When used properly, fixed annuities can be a very useful tool to help meet your current or [...]
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Image by M. Kelley via Flickr
Fixed income funds, including mutual funds, can play an important role in your portfolio by providing current income as well as adding diversification.
Ok, so let’s state why fixed income funds and fixed income in general is worth talking about:
“When the periodic income generated from your fixed income investments meets or [...]
ShareAny real recovery in the global economy begins with the housing market in the US getting back on track. As the article states, foreclosures aren’t abating even as demand is coming back. Do you remember the ABC’s of Global Macro Economics?
A) As goes the housing market, so goes the U.S. economy
B) As goes the U.S. [...]
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Image by MyEyeSees via Flickr
The following video provides a good perspective as to how debt and leverage work. Call it a crisis, recession or downturn, it is imperative to understand the dangers of leverage and debt. This is something many people have been forced to come to terms with and sooner or later our politicians will.
As David points [...]
ShareIn 1981 at the height the last gold bull market, 30 year government bonds were yielding 14%. This is what the bond market demanded back then. In other words, it took a 14% yield to entice an investor into the 30 year government bond market.
September 1981 30 Year U.S Government Bond Yield 14%! Sorry, [...]
ShareLets talk about gold. Ok, so what does gol’d’s recent price action mean? Instead of writing a long essay and article, I’m posting the Funnel of Liquidity. You can learn a lot from the picture below.
- think Credit Default Swaps – non-performing assets today
-Mortgage Backed Security Market (MBS) – currently frozen (illiquid)
-Stocks recent run has [...]
The Benefits of Being in a Recession, Deals Everywhere!
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One of the benefits of being in the middle of a recession is that there are deals for consumers “everywhere.” But let’s consider why this is so, first.
One of the best ways to determine the health of any economy is to evalutate consumer behavior. An economy reacts to consumer behavior. When consumer spending habits slow [...]
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