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5 Financial Mistakes to Avoid

Retirement isn’t what it used to be. Most of us will want to stay active — with travel, family, volunteer activities and hobbies — long after we leave our full-time jobs. In addition, we’ll most likely be living longer than retirees of the past. According to U.S. government figures, if you’re an average American, you can expect to live into your 80...Read More

Pagosa Springs, Colorado: Mother Nature in All Her Glory!

Pagosa Springs is a picturesque little resort town in the heart of Colorado’s beautiful San Juan mountains only 35 miles north of New Mexico. With many impressive mountain peaks in the San Juan range nearby, it is where the high desert plateau meets the western slope of the continental divide. It is also adjacent to the I.8 million-acre San Juan Na...Read More

Flexibility in Retirement – an Asset Worth Investing In

If you are reading this, you are probably saving up for your retirement, have run countless numbers, and are looking forward to the day when you are financially independent. In our articles, we have mentioned many times that retirement must be based on good money sense, but we have also emphasized that it’s the emotional component of this new lifes...Read More

Women At Greater Risk for Depression, Dementia

There are definitely gender differences when it comes to psychiatric issues and substance abuse. Males are more at risk for attention-deficit/hyperactivity disorder, autism, Tourette syndrome, oppositional defiant disorder and possibly schizophrenia. Because these often show up early in life, it’s thought they are caused or influenced by androgens ...Read More

Going It Alone? Here’s Some Savvy Financial Strategies

More than 4 in 10 Americans are unmarried — and 19.5 million are retiring single While some expenses may be higher for retired singles, there may be ways to save If you’re suddenly single, your advisor can help prioritize decisions by urgency If you or a parent are one of the 19.5 million Americans retiring single, you’re in good company. Close to ...Read More

Estrogen Cream, Patches and Pellets: What You Need To Know

Are you currently using topical estrogen, or thinking of using a topical estrogen cream, patch or pellets? These forms of estrogen are becoming more commonly used and something I’m often asked about by my patients and by women whose doctors are less familiar with menopause treatments and who work with me from a distance at MenopauseCoaching.com. Le...Read More

Do Not Disturb!

Most nights I have a terrible time falling asleep. My mind is never fully at rest. I turn on my ceiling fan…winter and summer…punch my pillow to mold it into my neck, pull up my quilt, get into position and close my eyes. It’s then I remember I have to phone Cynthia with directions to the restaurant we’re meeting at on Wednesday, work on a Letter o...Read More

10 Hours

10 Hours – The total length of time I spent in the Emergency Room at Newton Memorial Hospital. Four of those hours I sat in the outer waiting room where my complaint of being unable to breath was accepted as trivial compared to that of the man who walked in carrying his finger in a jar. Three of those hours were spent on my back, on what the ...Read More

My Case for Financial Assets – by Billy Kaderli

When I was a stock broker in California – one of the hottest housing markets in the US – real-estate was my competition. “Everyone” was making money in real-estate so why would they invest in the stock market? I needed an angle I went to the Board of Realtors and got prices for 2-3 and 4 bedroom homes in the area, both at the current pr...Read More

Where Do I Buy It? NOW!

My neighbor yelled at me because I put the garbage out two hours early. The guy behind me in a shiny black Dodge Ram honked at me because I stopped at a stop sign. The woman next in line in the supermarket growled because I was too slow digging out my credit card. Disgraced. Merriam-Webster defines disgraced as a source of shame – losing favor or s...Read More

Do You REALLY Need $2 Million to Retire?

Billy and I like to keep informed about the topic of retirement from the perspective of money managers and those in the financial fields. Many of these pieces proclaim that you must save enough in your investments to throw off 80% of your current annual salary so that you can afford a comfortable life away from a job. Lots of them will say that you...Read More

What Is Financial Independence?

Financial independence is that moment when you have enough invested assets to live the lifestyle you want for the rest of your life. You can choose to continue working or not, but you are no longer dependent on a paycheck to live your lifestyle, or to cover your expenses. Financial independence is freedom. You are not chained to a job you dislike, ...Read More

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