Human Beings Are Strange Animals Indeed!

By Rick Hahn Consider the goat. The first time a goat comes in personal contact with an electric fence, well, it remembers the lesson from then on. I have even seen animals teach the lesson of a bad personal experience to OTHER animals, who then avoid the situation themselves, thus preventing the negative experience for Read more >>

Greed and Fear Can Destroy Your Finances

By Joe Edgeworth Greed and fear are human emotions and with them can come human mistakes. Fear: an unpleasant emotion caused by the belief that there is a threat that could harm you. Greed: An intense and selfish desire for something, especially wealth. While these words are, by definition, very different, they relate to each Read more >>

INcome Versus IFcome

By Chad Owen This is probably the most important part of retirement. It is not necessarily the amount of money you have it is the amount of income you can get off of it for the rest of your life. I was meeting with a client the other day and we were talking about the Read more >>

4 % Rule or Annuity for Peace of Mind in Retirement (Don’t Worry – Be Happy!)

By Robert P Kelly Today I’d like to discuss what makes retirees happy. To quote The Pension Research Council, 2003: “Research has shown retirees with greater amounts of guaranteed income show more satisfaction, worry less, and show fewer signs of depression”. (1) Now that sounds like a very sensible statement; however, from speaking with so Read more >>

Jim and Pam’s Most Excellent RV Adventure

Here’s a statistic you’ve probably read – each and every day since January 1, 2011, 10,000 Baby Boomers have been turning 65 and are retiring, heading to Social Security. And, they’re going to keep retiring, 10,000 per day every day, until the year 2030… Let me introduce you to one such couple – Jim and Read more >>

Fake News

By Robert P. Kelly It seems you can’t turn on the TV or the Radio or look at a newspaper these days without hearing the expression “Fake News” being thrown at some person or institution. This is usually followed by a long, emotional explanation as to why that specific institution or person is not being honest Read more >>

Buffett Says. The Problem is Health Care

By Bill Broich Mr. Buffett said, a specter much more sinister than corporate taxes is looming over American businesses: health care costs. And chief executives who have been maniacally focused on seeking relief from their tax bills would be smart to shift their attention to these costs, which are swelling and swallowing their profits. “If Read more >>

How to Choose a Financial Planning Attorney

By Joe Edgeworth Should you consider using a financial planning attorney. Often times, a simple meeting with an attorney can make all the difference in the world when it comes to orderly asset transfer. Here’s a story to illustrate why, a couple in Indiana decided to take the do-it-yourself approach to financial planning.  The husband Read more >>

Get The Facts, Ask Joe Friday

By Rick Dennis Do you remember the TV show “Dragnet” from the 1960s?  The star of the show was Sergeant Joe Friday, played by Jack Webb.  It seemed like at least once on each show Sgt. Friday would tell someone that “we just want the facts, that’s all we want – nothing but the facts.” Read more >>

Use ‘Transfer on Death’ Form to Avoid Probate Court

By Lyle Boss Avoiding probate can be tricky, but you might be able to successfully do it following these three straightforward ways. If you own stock certificates or have a brokerage account the ‘transfer on death’ option can be used to avoid probate. This option is often called the ‘Uniform Transfer on Death Securities Resignation.’ Read more >>

A Pile Of Cash: How Important Is It?

By Al Martinez Sure, when it comes to paying for something like a new car — cash talks. Cash can get you a better deal and eliminate interest payments. But more importantly than having cash is having cash flow. Cash flow is the true king. Cash flow is INCOME. Try thinking of your money from Read more >>

What Drives Your Financial Decisions?

By Rick J. Hahn  What drives your financial decisions? Is it Greed? Fear? Common sense?  Some Psychologists say that most financial decisions are made by most people in that order. The highest percentage starting with Greed, then Fear, and finally common sense. It has been my experience that that order may very well be correct.  Let’s Read more >>

One Huge Benefit for Annuity Owners

By Lyle Boss Almost all new annuity contracts provide an immediate benefit. Is it income? Is it safety? Is it freedom from market risk?  The answer to those questions is yes! Plus more. That’s the nursing home waiver. Annuity contracts have a provision that allows annuity owners to access most or even all the funds Read more >>

What Are Zero Coupon Bonds?

By Lyle Boss Zero coupon bonds are bonds that do not pay interest during the life of the bonds. Zero Coupon bonds are purchased at a discount and they will fund the face value at maturity. A portion of the funds at maturity will be accumulated interest (the discount) and the original amount of the Read more >>

Top 7 Retirement Planning Mistakes to Avoid 

By Al Martinez Retirement decisions can be confusing and complicated. Many people make too many mistakes when it comes to decisions that can affect their important retirement period. Listed below are 7 retirement mistakes, possibly you can avoid them. Searching for jobs later in life:  Many people forgo proper retirement planning thinking they’ll be able Read more >>

Women Have Greater Retirement Needs

By Rick J Hahn It’s well known that on the average woman lives up to seven years. longer than men. This means that they have a greater need for retirement planning since they will be retired longer, and will need more funds. The problem is that many women, during their prime earning years, bring home Read more >>

The No Exposure To Loss Gambling Machine

By Robert P Kelly If you had the opportunity to gamble in Las Vegas but were guaranteed that you would never lose, would you go?  Can you imagine the chaos that would envelope Las Vegas’s casinos if everyone won? Of course, we know that is only fiction and to make Las Vegas work there has Read more >>

Make Sure Your Credit Score Is Accurate or It Could Cost You

      By Joe Edgeworth Credit bureaus track consumers’ credit history: making sure they pay their bills, aren’t late on those bills and how much debt they carry. There are many credit bureaus but big three are Experian, TransUnion and Equifax. When you try to borrow money from a lender the lender pulls your Read more >>

Annuities – Confused? – Keep It Simple!

By Robert P Kelly As I speak with callers to my Safe Money & Income Radio Shows, I hear all sorts of ideas about what annuities are and what they can do. There is a lot of good information available, but at the same time there is a lot of conflicting information that leaves many Read more >>

Should You Invest In Gold? Consider These Pros and Cons

by  Lyle Boss For centuries gold has been an asset that many have used as their basis for wealth.  Ownership of gold also means you own a direct relationship to volatility. No other asset in the past hundred years has reflected volatility more than gold. If you are concerned at all about volatility, especially with your important retirement funds Read more >>

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