Retirement Living

Pay Off a Mortgage or Invest? 3 Steps – You Decide

Key Points Paying off a mortgage early could reduce overall interest paid over time Investing the funds could yield a better return than mortgage interest saved With interest rates changing, it may be time to reevaluate your options Entering retirement with the mortgage paid off is a common aspiration. Paying off a home loan even sooner than that c...Read More

5 Reasons to Move to a Retirement Community

Those who know my parents, who have always been active types, know that the word “retire” was never part of their vocabulary. So you can imagine my utter shock when they brought up the subject of retiring. Of course, for them “retiring” meant leaving their full-time jobs so that they would have more time to do other things, ...Read More

Journey with Kileen – to the South Pacific!

NOTE:  This article is the first in a series by AFL Travel Blogger Kileen Prather who will share her recent exploits to the South Pacific. Kileen’s helpful hints and words of travel wisdom are always deeply appreciated! I like to cruise in January for my own personal vacation.  There are two reasons for this.  First, the week after New Year’s is th...Read More

3 Tips for Selling Investments

Key Points Knowing when to sell is just as important to building wealth as knowing when to buy Emotional decision making could impair your ability to make good long-term choices Rebalancing your portfolio on a regular basis can help lock in gains and avoid losses On May 17, 2017, the Dow Jones Industrial Average Index dropped 373 points after a ser...Read More

Personal Capital – Lessons from Living the “Village Life”

Over the last three decades of financial independence, Billy and I have done some extensive world travel. While we have seen the large cities, the amazing architecture, eaten in some of the finest restaurants and enjoyed museums, plays, and concerts, generally, we are attracted to Village Life. It might not be that different from the neighborhoods ...Read More

Preparing for Retirement: Top Trends

Key Points Most workers are preparing for retirement, but many aren’t sure whether they’re saving enough About 37% of workers expect they’ll need $1 million or more in retirement savings Those with a formal plan are almost twice as likely to feel confident about the future Most Americans are fairly confident about preparing for retirement – are you...Read More

Journey with Kileen to “Mysterious” Easter Island

One of the most remote islands on Earth in the middle of the South Pacific, half way between Chile and Tahiti, is Easter Island. I had a chance to visit this island last winter. It is a paradise of hills and extinct volcanoes covered in grasslands and formed by massive volcanic eruptions. Naturally it was uninhabited for millions of years.  This is...Read More

Want a Great Trip? Try Chattanooga – Trains, History, Art and Even More!

A visit to Chattanooga is an opportunity to experience history. Few cities in the nation are as closely tied to railroads and the Civil War as Chattanooga. An enjoyable exploration of this Tennessee Valley town shows that railroads and the civil war have defined what Chattanooga was and still have a major influence today. The Nashville and Chattano...Read More

The Best Retirement Plan is Not To – Thoughts by Aaron Clarey

It’s an all too common problem. Every month I host a financial planning class and I ask all the new students to introduce themselves.  And while there’s the occasional 35 year old housewife there, unfortunate widow whose husband did the finances there, or even the young whipper snapper 23 year old trying to get a jump on things, the plurality of my...Read More

Repairing the Deck – with Dead Elephants!

Fake news… Home designers describe a deck as ‘an extension of your home; an outdoor oasis for entertaining your friends with summer drinks and canapés.’ Makes a guy want to puke! Real news… Your wife describes your deck as ‘a place she won’t put her Pier 1 eight-piece rattan furniture set with sun-resistant fabric cushions that match the brick mort...Read More

Social Security: How to Plan Around Uncertainty

Key Points ****************** Americans are not confident in Social Security solvency, according to new research Benefit amounts can vary greatly based on the age that you begin collecting Legislative standoff could make other sources of retirement income more crucial ******************* Social Security has been serving as a safety net for over 80 ...Read More

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