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Safe, Secure and Profitable [1%]
To everyone bemoaning the meager returns on certificates of deposit, money market funds and treasuries, and those tired of negative returns on stocks. Read ...
Saving a Crucial Benefit [1%]
Millions of life insurance policies are falling apart.These were sold with performance based on interest rates, which have seriously declined, or investments, ...
Ladder to Success, Safety [1%]
There are over three trillion dollars currently sitting in money market accounts, saving and checking accounts and similar deposit vehicles. Another several ...
Woman - Security - Income [1%]
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 ...
Profit from Disruption [1%]
Change is inevitable. It can also be profitable. By looking at developments that will change our lives and environment, investors can provide themselves with ...
No downs, only ups [1%]
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, ...
Investment Numbers [1%]
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 ...
Medicare Changes Now! [1%]
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 ...
Investors and Taxpayers look at Health Care Reform [1%]
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 ...
Cost Cutting without the Government [1%]
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? ...
When is 4% really 6%? [1%]
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 ...
2010 - How's it Looking? [1%]
Predicting is dangerous business, particularly now. We have been through so much economically that we have actually changed emotionally and psychologically. ...
It Ain't Green Yet [1%]
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 ...
The Inflation Protected Portfolio [1%]
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 ...
I Was Wrong [1%]
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, ...
Hidden Gem [1%]
Americans habitually are slow to adopt opportunities to save taxes. Maybe this is due to our desire for instant satisfaction, or we don’t want to take the time ...
Take Some Home [1%]
Consumer confidence is often used as a barometer of stock market performance, as consumers make up 2/3 of the American economy.. Recent figures show confidence ...
Celebrate Guarantees [1%]
The investment markets have made a spectacular, and to some people, questionable recovery. The market averages are close to 50% higher than they were in March ...
Saving Money & Taxes [1%]
What is better than this combination? Reduce your health insurance premiums and lower your tax bill! Two simple procedures make it happen. One, you obtain a ...
Looking Ahead - Prospering [1%]
There are a number of challenges that face our economy that don’t get a lot of press attention. We have been worrying so much about the financial meltdown ...
A Perfect Portfolio [1%]
The concept of a diversified portfolio was sorely tested in 2008-2009. It seemed that every asset class what hit equally hard. The S&P 500 lost 37%, but an ...
Better Half Right Than All Wrong [1%]
In case you haven’t noticed, the stock market has surged over the past month and a half. A 35% increase in the S&P500 is a great performance for a whole year, ...
Keep Your Fingers Crossed [1%]
After an awful start to 2008, there has been a strong rally in March and into April. This may indicate better things to come, or it may represent a “bear ...
A Lucky Few [1%]
Independence [1%]
One of the most important, and generally overlooked considerations in working with a financial advisor is the answer to the question,"who do you work for?" We ...
Mutual Strength [1%]
In the current recession, fixed annuities have once again come into favor. Not only are the rates on these policies better than certificates of deposit, money ...
What A Year! [1%]
What a year - somewhere between yech and "oh my god". Everyone has felt and will continue to feel the effects of the financial and real estate crisis. There ...
Turn Your 401K Plan Into A Guaranteed Pension [1%]
After the introduction of 401K plans, pension plans began to disappear. Remember pension plans? Your employer would deposit funds every year and you would ...
Heath Benefits For Those Without [1%]
During these times of financial crisis, many employers are facing the prospect of giving up health benefits for their employees. Other firms are going out of ...
Surviving Turbulent Times [1%]
Like many advisers, we have received numerous calls from clients, asking what to do in this turbulent and scary environment. There are some basic lessons that ...

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