Nov 9, 2015

On a Manic Monday when stocks opened down and the Fed is talking about raising rates, what are the smartest moves you can make with your money right now? Eliminating mistakes is job number one. Finding value is job number two. Markets are already near all time highs and interest rates near all time lows. Its an...

Nov 5, 2015

According to a study of 4,500 Dutch consumers in the Journal of Economic Psychology, unhappy people save less, spend more and have a higher propensity to consume. It's not just overseas--Americans are spending at a pretty fast clip says the University of Utah. Researchers are finding that we are all spending...

Nov 4, 2015

Pensions are going the way of the Dodo bird. The dodo is an extinct flightless bird that was endemic to the island of Mauritius in the Indian Ocean. Pensions as a reward for decades of service, are heading that way. A survey released earlier this year by benefits consultant Aon Hewitt of nearly 250 employers...

Nov 3, 2015

The most broad and sweeping change to Social Security in years was included in the new $80 billion Budget Bill. Married couples both over 66 years of age are not affected whatsoever IF they are using a restricted strategy now or by the deadline. But as of May 2, 2016 many of the advanced claiming strategies get axed for...

Nov 2, 2015

Wondering why interest rates on treasury bills and notes are staying so close to zero? For those borrowing money, low rates are a blessing. For savers, it is pure punishment. It's all about the insatiable demand for dollar denominated debt from the nations of the world whose own currency is so unstable , they need more...