Theresa’s Thoughts

    The Power of Reinvesting Dividends

    Dividend payouts are not dependent on the price of the company.  While prices generally increase, reinvesting dividends can help you purchase additional shares to boost your return over time, through compounding.  This is why we reinvest our dividends, to provide an income, along with increasing capital that one will not outlive.

    This Too Shall Pass

    We recently had our annual Economic Update, and the theme was Three Bear Markets in Fifty years. To summarize here are some take aways from my presentation:

    The Folly Of Believing In Gold As An Investment!

    Recently the August 7th online edition of the Wall Street Journal had an article: “When Markets Get Scary, Mom and Pop Buy Gold.”

    To set the record straight...


    In the last days of July the S&P500 was trading nearly one thousand points higher than its closing low of October 12, 2022.

    I want to remind you that those of us who experience a market decline as opportunists don’t merely outperform those who experience it as victims.

    You are in it to win it!

    So here we are in the middle of summer, and more than half of 2023 is over. I hope that everyone reading this is doing well and enjoying their summer. I am writing to remind you that many of the predictions from the prognosticators in the beginning of the year never came to fruition. 

    Warm Feeling of Being Invested in a Diversified Portfolio of Well Managed Companies

    During this month of June, as summer approaches with warmer weather and longer days, I am reminded of the warm feeling of being invested in a diversified portfolio of well managed companies.

    We are long term investors of rational companies around the world

    As always, what we need to remember is that we are not investors in the random markets, but rather we are shareholders of capitalism in a variety of companies that act rationally to grow their profits and dividends.

    Instead of experiencing “stock market” declines as “losses”, we experience them as temporary setbacks in the long upward march of shareholder capitalism.

    The Silver Lining of Equities

    In spite of the negativity we see regarding the markets, there are a few positives to remember.

    2023 New Year Notes

    Happy New Year! Onward and upward in 2023! ~ "Optimism is the only realism" ~ Nick Murray


    What Does Medigap Insurance Cover?

    Medigap, also called Medicare supplement insurance, is a type of optional coverage offered by private insurance companies. It is designed to pay some—or all—of your Medicare Part A and B copayments, coinsurance, and deductible costs.