Finances

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

Could You Become Car-Free?

It wasn’t a decision we took lightly. In fact, Billy and I discussed the idea of becoming car-free for several years. There were good reasons to do it: no more maintenance and repair costs; no more fees for insurance, license plate renewal, or registration; no more fuel expense; and no more worry about storing the vehicle here in the States w...Read More

Fraud Happens. To US. Here’s What to Watch For…

Seniors lose $36.4 billion each year to financial abuse — $16.8 billion of which comes from deceptive investing tactics designed specifically to take advantage of older Americans.¹ Also known as “financial exploitation,” this type of investment fraud is defined by the use of misleading language to obtain account information and permission to access...Read More

5 Scams Aimed at Baby Boomers

If you’re visiting your mom or dad and see an excessive amount of junk mail, take note: Your parent might be a prime target for fraud. “If your parents’ mail is filled with sweepstakes notifications, free gift offers and more magazines than they could possibly read, chances are good they’re on a ‘sucker list,'” w...Read More

Retirement Countdown? Here’s Your Cheat Sheet!

One day you’re celebrating the first day at a new job. The next thing you know, toasts are being raised at your retirement party. With each passing year, the hands on the retirement clock spin faster. That’s why it’s wise to establish milestones — at 10 years, five years and one year out — to fine-tune investment strategies, buffer against market v...Read More

Working Longer? GREAT! Here’s Why ($$$-hint, hint)

WELCOME BACK to our 3-part series on the benefits of working longer.  Here we look at the financial advantages of staying in the workforce later-in-life. Now we know that financial factors are exactly what drive most people to work longer and a lot of people probably read the first article and thought, “Working longer?  I have no choice!”  But no m...Read More

What’s Next for Social Security?

Key Points Social Security’s 2018 cost of living adjustment will be the largest in six years For many, higher Social Security benefits will be offset by increased costs for Medicare The Social Security system faces long-term challenges, but may be healthier than you think In recent years, Social Security recipients have had to settle for little or ...Read More

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

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

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

8 Costly Regrets You Should Avoid When Planning Retirement

Over 70% of adults have financial regrets, according to a Bankrate report, and their biggest financial worry is that they didn’t start saving for retirement early enough. Even high earners reported guilt over not saving for retirement early enough. Of course, there is much to consider when preparing for retirement. However, the source of regr...Read More

Talking Money with Siblings: Beyond Rivalry

Key Points Nearly two-thirds of siblings talk about money with each other While financial conflicts are rare, they usually involve issues regarding parents Uniting to deal with money issues can help protect family assets Talking about money with immediate family members is not always an easy conversation to initiate. Why? For starters, the conversa...Read More

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