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Safe, Secure and Profitable

To everyone bemoaning the meager returns on certificates of deposit, money market funds and treasuries, and those tired of negative returns on stocks. Read on. Yields on certificates of deposit are under 2%, for money markets and treasuries, less than one percent. There is no reason to expect rate increases for at least two more years. The Fed just announced that they will keep rates low for an extended period. This is sobering news for savers and those who live on the interest generated from their holdings.

  • Posted by daverill
  • Published: Aug 30, 2010

Saving a Crucial Benefit

Millions of life insurance policies are falling apart.These were sold with performance based on interest rates, which have seriously declined, or investments, which have under performed. In most cases, the owner of the policy has no idea that there is a problem, and learns about it only when the policy requires more money or lapses.

  • Posted by daverill
  • Published: Jul 21, 2010

Ladder to Success, Safety

There are over three trillion dollars currently sitting in money market accounts, saving and checking accounts and similar deposit vehicles. Another several billion is in brokerage firm money market accounts, because the customers are afraid of the stock market and transferred to cash. All of this money is earning less than one percent interest, in many cases, it is earning less than one-half of one percent.

  • Posted by daverill
  • Published: Jul 19, 2010

Woman - Security - Income

Women are living longer than men. No radical news here, but women are living longer in general. Women also tend to earn less than men and consequently save less for retirement. In a recent national survey, over 50% of the women surveyed felt unsatisfied with their current financial situation and uncertain about future financial needs.

  • Posted by daverill
  • Published: Jun 30, 2010

Profit from Disruption

Change is inevitable. It can also be profitable. By looking at developments that will change our lives and environment, investors can provide themselves with an opportunity to reap the rewards of enhancing asset diversification.

  • Posted by daverill
  • Published: Jun 29, 2010

No downs, only ups

We are getting used to market volatility. We better, because it is most likely going to be with us for a very long time. In addition to stubborn unemployment, real estate foreclosures,huge deficits and an economy that can't decide if it is recovering or getting worse, we also have the BP disaster, European debt and possible conflicts in Asia.

  • Posted by daverill
  • Published: Jun 10, 2010

Investment Numbers

The old axiom, “figures don’t lie” is still true. Let’s look at some telling numbers. In 2009, Fixed Income mutual funds received over $350 billion in deposits. In the same year, Equity mutual funds received $14 billion. Needless to say, the majority of investors are trying to be conservative and are looking for safe returns that are better than current money market and certificate of deposit rates.

  • Posted by daverill
  • Published: May 11, 2010

Medicare Changes Now!

Effective June 1, 2010, there are a number of changes that will impact anyone eligible for Medicare. The Medicare Improvements for Patients and Providers Act of 2008 (MIPPA)takes effect on June 1, 2010. Anytime our government uses “improvement” in the title of legislation, be careful!

  • Posted by daverill
  • Published: May 11, 2010

Investors and Taxpayers look at Health Care Reform

In the view of a number of experts, the new Health Care legislation will not be kind to investors or taxpayers. The take home pay of all Americans will be cut as taxes increase and many are forced to buy insurance. Learn more...

  • Posted by daverill
  • Published: Apr 07, 2010

Cost Cutting without the Government

Tired of all the rhetoric? Tired of all the political side deals? Alarmed at the realization that the proposed health legislation will cost all of us dearly? So are we.

  • Posted by daverill
  • Published: Mar 01, 2010

When is 4% really 6%?

Tax deferred annuity rates are now just about 4% a year, guaranteed for 5 or more years... This is an exciting opportunity for those seeking to accumulate money safely, at a conservative guaranteed rate of interest.

  • Posted by daverill
  • Published: Feb 05, 2010

2010 - How's it Looking?

Predicting is dangerous business, particularly now. We have been through so much economically that we have actually changed emotionally and psychologically. This change will have a big impact on the economy.

  • Posted by daverill
  • Published: Dec 28, 2009

It Ain't Green Yet

Nearly 200 countries were represented recently in Copenhagen Denmark for the Summit on Climate Change. There was a lot of excitement and certainly, everyone is concerned. Strangely, this has not translated into a lot of investment activity in “green” investing.

  • Posted by daverill
  • Published: Dec 17, 2009

The Inflation Protected Portfolio

Mark this down. Be confident, Be prepared. Inflation is coming. The talking heads at the Federal Reserve and media commentators tell us that inflation is being tamed and we don’t need to be concerned. That is true if your outlook is limited to a very short period...

  • Posted by daverill
  • Published: Nov 02, 2009

I Was Wrong

How’s that for a way to start, admitting I was wrong. In a number of previous columns, we asserted the opinion that Index annuities were gimmicky products, intended to generate high commissions for brokers who were not looking out for their clients’ best interests.

  • Posted by daverill
  • Published: Oct 29, 2009
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