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”

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”

The Federal Reserve is at it again.  Raising interest rates, as if they have some crystal ball that tells them what only God could know, what is a fair and authentic interest rate. Here’s the crux of the matter.  The U.S. monetary system depends on deposits, loans, and interest to fuel it.  If the Fed …

Continue reading “Your Retirement Plan Is Getting Shoved Around again, but here is How You Can Prevent It”

It’s no secret that your odds of becoming part of the wealthiest 1% in the world is reasonably achievable, as one in nine Americans accomplishes that every year.[i]   However, you have less than a 2% chance of remaining in that top 1% tier for more than 5 years and less than a 1% chance of …

Continue reading “Your # 1 Threat to Building Sustainable Wealth”

It’s not that you can’t earn a higher rate of return or that you can’t defer taxes and pay them later.  In fact, it’s not even about market risk or how much you make.  It’s all about the fact that YOU Deserve Better! You’ve been told you can earn a 6.47% rate of return on …

Continue reading “You could be losing over $70k while earning a 6% average ROR!”

Recently, Dave Ramsey was busy bashing life insurance again. It must be pretty dull having to pick on the same subject all the time, without having any facts to back up your opinion.  Anyway, Dave mentioned that life insurance was too costly to maintain.  Ramsey also says there are better places to invest your money, …

Continue reading “Are You Sure You Should Pay Your House Off Early?”

Millions of Americans are finding out the hard way that the money they were promised for their retirement is gone!  Which means it is NOT there for them. That’s right.  People don’t want to talk or hear about it, but according to the latest research out of Boston College, 1 out of 4 corporate pension …

Continue reading “What Happened to Your Retirement”

Pension plans have for the most part disappeared unless you work for the government.  And defined contribution plans (401ks) have and continue to fail in bridging the income gap which independent retirement accounts (IRAs) and social security were supposed to fill.  That being said, those aware of smart money management principles often encourage their clients …

Continue reading “How to Purchase More Money for Your Retirement”

Samuel Johnson the English Poet and Moralist realized that “Small debts are like small shot; they are rattling on every side, and can scarcely be escaped without a wound; great debts are like a cannon, of loud noise but of little danger.” This reminds me of the little boy who discovered the small hole in …

Continue reading “Here’s what Rex Tillerson is doing with his money”

Less than 2 out of 5 Americans have enough money saved to afford an unexpected $1,000 expense. Such an expense would force 1 out of 5 to charge such an unexpected expense on a credit card, leaving the rest to either scrounge it off a friend, family member or take out a personal loan.  Interestingly …

Continue reading “The $1000 Dilemma”