Blog
The Stock Market and Space Mountain
For those who love roller coasters, I’m sorry to say, I don’t share your love. With the resulting drops, heights, yanks, jolts, and screams, I’ve never liked it even though I’ve been talked into strapping into a coaster car more often...
Read MoreMedicare Open Enrollment for 2025 is Here
Medicare Open Enrollment runs from October 15th through December 7th, making it the time to reassess your healthcare coverage. 1. Medicare Advantage Plans Are Changing- Many companies are adjusting their offerings, some even closing...
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Important Birthdays Over 50
Most children stop being "and-a-half" somewhere around age 12. Kids add "and-a-half" to make sure everyone knows they're closer to the next age than the last. When you are older, "and-a-half" birthdays start making a comeback.
Read More"Irrational Exuberance," Again? Be Careful of the Opposite
Here are three key thoughts to consider as the market goes through its current cleansing cycle. IF YOU ARE PREPARED, YOU SHALL NOT FEAR. You’ve heard this from us many times in the past. This means you need to...
Read MoreESTATE PLANNING ADVICE AND HOW TO AVOID MISTAKES
ESTATE PLANNING ADVICE AND HOW TO AVOID MISTAKES By David Hoefferle, and Hartford’s Guide to Help Prevent Family Manipulation an article by Kristin Hetzer With 32 years in the finance industry, I am occasionally surprised when someone...
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Frustrated Following the Fed?
Let's start this email with the conclusion: Stick with your investment strategy, and don’t let outside influences like the Fed get in your way. Following the Fed these days is like watching an endless point in a tennis match. The...
Read MoreWhat Happens Next in the Market?
I really don’t know. But I have a guess. While no one has a crystal ball -- that works -- there are certain scientific laws and actions that we can identify or use to predict a potential reaction. In the world of Investments, the...
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Powell's Pivot: Dovish Fed Sees Rate Cuts in ‘24
Fed Chair Powell finally made his much-anticipated “pivot” at the close of the Fed’s two-day December meeting, saying he sees short-term rates heading lower next year. Perhaps much lower. Surprised but excited, the...
Read MorePatience Usually Results in Success
When it comes to your financial future, the old song rings true, “Know when to hold ‘em, know when to fold ‘em.” The problem is gambling with your future is never a sure bet. At this moment we...
Read MoreStaying Upbeat in a Down Market
Investors know that the stock market moves in cycles, but few are comfortable when the cycle takes stock prices lower. And since late August, the cycle has been decidedly lower. If you’re looking for reasons to worry, you...
Read MoreFear and Volatility: Stay Focused on Goals
If you're a fan of Warren Buffett, you'll recognize this quote: "Be fearful when others are greedy and greedy when others are fearful." In recent weeks, oil prices have rallied higher, and the Fed indicated higher interest rates may...
Read MoreFinding the “Just-Right” Bandwagon
There are some Investment Advisors who are always optimists (“Bulls”) which may cause their clients to lose sleep in a wildly volatile market. Some may be regularly pessimistic (“Bears”) resulting in a...
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Market Assesses First Republic, GDP Report
Financial markets can be challenging to understand. And when markets enter a “bad news is good news” cycle, it becomes even more challenging to follow along.Stock prices rallied at the end of April after the Commerce...
Read MoreLong-term Care: LEARN FROM MY MISTAKE
Waiting too long to purchase Long-term Care insurance can lead to insurance companies denying or limiting coverage. Learn from my experience and don't wait too long to determine if Long-term Care insurance is right for you!
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Outlook 2023: What's Next for Interest Rates?
What does the bond market know that the Fed isn’t telling us?Fed officials recently have said that short-term rates will need to climb toover 5 percent to bring inflation under control. But in the table below,...
Read MoreYear-End Financial Stuff on My Mind
ECONOMY and the STOCK MARKET, SCAMS, TAX HARVESTING and more.
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The Business Cycle
The Business CycleWhat has upswings and downturns, troughs, peaks, and plateaus? Though such terms could easily describe a roller coaster ride, they are also commonly used to describe the business cycle.The business cycle – also...
Read MoreWhat’s the Fed’s Master Plan?
Watching the the downward trending reactions of the market to the multiple interest rate hikes this year, it can be easy to wonder if the Feds have a plan that will actually be beneficial to the economy.
Read MoreUnpacking the Summer Economy
In the financial world, some weeks are more important than others, and we just lived through a big one. Let's unpack each of the four key stats:The Fed. As expected, the Fed bumped up short-term rates again at its July meeting. But the...
Read MoreKeeping Things in Perspective: A Personal History Lesson
It always amazes me when many people are faced with a new trial that they often let anxiety and fear win out. If only we could remember when we are in the middle of the noise and confusion to take a step back and look back.
Read MoreMarket Uncertainty -- Where to Go From Here?
During the past few months the worldwide Economy has been so very uncertain, all because of a pandemic no one expected. Yet, we have been warning of such uncertainty after eleven years of an amazing, possibly once-in-a-lifetime bull...
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“SPOOFING” SCAMS TARGET ALL OF US
There’s a very good chance you may receive a phone call which appears to be from a company that serves you. But, be careful, because it might be a telephone scam. The scam involves a technique called “spoofing,” where...
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