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Friday, April 26, 2024

Dear Friends, Happy Spring. With the days getting longer, warmer and sunnier, the spirits of many of us also rise. I thought to share this Radio Shack commercial for portable phones made in 1987. It shows how the optimism and hope of...

Thursday, March 28, 2024

The S & P 500 has hit 1176 new highs since its 1957 inception. History suggests that investors should expect markets to ascend to many new highs over their lifetimes, even if the path isn’t always a straight one. Here are some fun...

Thursday, February 29, 2024

Recently the market has been doing great positive things! It has been going higher, and the S&P 500 hit a record high today as I write this. Here is a wonderful quote by Howard Marks the author of: The Most Important Thing- Uncommon...

Friday, January 19, 2024

Equities are great when on sale.   People will flock to buy things on sale, as consumers, but ironically flee when equity investments go down/are on sale. Big point to remember is that Price and value are inversely correlated...

Friday, December 8, 2023

Safe is not keeping your money in treasuries, bonds, or the bank for long term investing. It certainly is not safe to put your money into CDs thinking that this yield is a better investment than a diversified equities...

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Wednesday, November 22, 2023

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...

Tuesday, October 31, 2023

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: In times of great market declines, many investors will say: “This Time...

Friday, September 22, 2023

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, if you had “invested” in Gold (@$800 per ounce)...

Wednesday, August 30, 2023

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...

Friday, July 14, 2023

Dear Friends: 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...

Wednesday, June 7, 2023

Dear Friends: 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. The feeling of knowing that in...

Friday, May 5, 2023

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...

Friday, March 17, 2023

In spite of the negativity we see regarding the markets, there are a few positives to remember. The cash dividend of the S and P 500 soared nearly 11% to a new record high in 2022! Here are a few more interesting statistics: Just in...

Friday, January 6, 2023

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

Thursday, December 1, 2022

What Does Medigap Insurance Cover? Presented by Theresa Rosen, CFP®, CLTC Medigap, also called Medicare supplement insurance, is a type of optional coverage offered by private insurance companies. It is designed to pay...

Tuesday, November 15, 2022

What Does Medicare Part D Insurance Cover? Presented by Theresa Rosen, CFP®, CLTC Medicare did not cover prescription drugs until the Medicare Modernization Act of 2003 added Part D to the program. Private health insurers offer...

Tuesday, November 1, 2022

What Does Medicare Part C Insurance Cover? Presented by Theresa Rosen, CFP®, CLTC Medicare Part C is a Medicare-approved private health insurance plan. Part C, also known as a Medicare Advantage plan, is an alternative to Original...

Saturday, October 15, 2022

What Does Medicare Part B Insurance Cover? Presented by Theresa Rosen, CFP®, CLTC Medicare Part B insurance covers doctor services, outpatient services, and durable medical equipment. It provides coverage...

Saturday, October 1, 2022

What Does Medicare Part A Insurance Cover? Presented by Theresa Rosen, CFP®, CLTC Medicare Part A insurance covers inpatient care in a hospital or a skilled nursing facility, as well as hospice care. It provides limited...

Thursday, September 15, 2022

What Do I Need to Know About Medicare If I Have Employer-Provided Health Insurance After Age 65? Presented by Theresa Rosen, CFP®, CLTC As you approach your initial enrollment period, which begins three months before your 65th...

Thursday, September 1, 2022

The process for enrolling in Medicare is surprisingly easy. But before enrolling, you will need to make a choice about how you want your Medicare delivered. Unlike an employer’s health plan, you may have dozens of options from which to choo

Monday, August 15, 2022

Medicare is a federal health insurance program that covers certain medical services and supplies in hospitals and doctors’ offices. The insurance is provided to U.S. citizens and permanent residents who meet one or more of the following cri

Friday, July 15, 2022

There’s a lot to consider as you prepare for retirement, so it’s wise to begin planning well ahead of time. The checklists below are designed to help you stay on track for the retirement you envision.

Wednesday, June 15, 2022

Federal and State Retirement Systems Presented by Theresa Rosen, CFP®, CLTC Being aware of retirement options and social security benefits can help you assess how financially secure you will be during your golden years. Federal,...

Sunday, May 15, 2022

Should I Wait to Start My Social Security Benefits? Presented by Theresa Rosen, CFP®, CLTC Deciding when to begin taking your social security retirement benefits can be difficult because there are many factors to consider. Even if...

Thursday, May 5, 2022

According to the Federal Reserve, Real (inflation adjusted) GDP per capita in the first quarter of 1980 was $30,174.00. For the 4th quarter of 2021, it was $59,553.00. During these four decades when the American Economy was...

Thursday, April 28, 2022

With home values rising within the last three to five years, it pays to thoroughly review the coverages that you have on your home. One of the major categories of coverage on many policies are either ACV (Actual Cash Value) coverage or...

Thursday, October 21, 2021

As the days start to get shorter, and the end of the year approaches, I want to say thank you. Thank you for the privilege of being able to help and serve you.

Sunday, November 1, 2020

According to a recent Wall Street Journal article, more and more, white collar Americans are going deeper into debt. Many of the subjects of this article were making a household income of well over $175,000 per year. Why is this a...

Thursday, October 1, 2020

One of the items under the SECURE Act state that non-spouse beneficiaries who inherit an IRA or qualified plan must distribute the entire IRA within 10 years of the account owner’s death. The only exceptions...

Wednesday, September 9, 2020

~A journey of a thousand miles begins with one step~ Lao Tzu   If you fell asleep at the market height in February and woke up this week – in spite of the major decline starting in March, you may find that you're...

Friday, August 7, 2020

What is your Number? No – not your phone number- ha-ha. The number that I am talking about is the amount of money that you will need at retirement or whenever you decide to stop working. Do you know what it is? If you don’t...

Wednesday, July 1, 2020

Gardening in some form or fashion has always been an interest of mine. I have never actually had a vegetable garden, and during the pandemic tried to start one. I grew tomatoes from seed, and surprised myself. I had well over 300...

Friday, May 1, 2020

Every major Bear Market looks different when you are inside it. As Warren Buffett says: “Those who invest only when commentators are upbeat end up paying a heavy price for meaningless reassurance.” As long term, goal...

Thursday, April 23, 2020

Dear Friends: As of my writing this article on April 3, 2020 the S & P 500 closed down from the February18th high of 3380.16 to 2488.58 about a 26.4% drop in about 2 months. These are markdowns which you historically do not see more...

Monday, April 13, 2020

Dear Friends: In spite of the overall health and economic pandemic of the Coronavirus, we will always focus on the following: a): Your Goals  b): on our long term plan for the achievement of your goals and, c): on...

Wednesday, April 8, 2020

Dear Friends: With the arrival of the Setting Every Community Up For Retirement Enhancement (SECURE) Act,  the odd number of age 701/2 for RMD (required minimum distribution) is now raised to age 72. This new easier to remember...

Wednesday, March 18, 2020

Nine days ago on March 9th was the 11th anniversary of the crescendo of global panic that marked the bottom of the bear market of 2007-09. It is to me a thing of the most wonderful irony that the world has elected to celebrate this iconic