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Focus On The Future

Jan 25 2019

This post was inspired by a recent conversation I had with a former student. As is customary in my classes, I encourage students to contact me if they have questions while in the “real world” after graduation. The student was contemplating contributing the maximum to a Roth IRA for 2018 – which is $5,500, and then potentially doing the same for 2019 – which would be $6,000. His concern was market volatility. He was afraid of contributing to the IRA, then seeing is lump sums of $5,500 and $6,000 respectively plummeting if the market were to drop substantially. I told him to look at it from this perspective. The middle letter in the acronym IRA stands for retirement. This young man is 22 years old, planning to retire in 30 to 40 years. I told him that he could consider contributing the maximum to his Roth IRA every year, regardless […]

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The Secret to Retirement Planning

Jan 24 2019

I’m going to tell you the secret to retirement planning. It’s easier than you might…

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Do You Have the Cash to Cover Common Home Repairs?

Jan 23 2019

If you’re in the process of buying your first home, you probably already know that you have to save for a down payment, put money aside for furniture, and fund an escrow account. However, there are many other expenses that you may not have consi…

Life Insurance: Protect Your Most Important Asset

Jan 18 2019

You may think that your most important asset is your home, your nest egg, your priceless collection of Etruscan snoods. Your most important asset is you – your human capital. Your human capital is your current and future economic contributions to your family. Perhaps you’ve gone to college and majored in a profession to pursue a career. You may have earned advanced degrees and designations to increase your knowledge, professionalism, and income. All of this increases your human capital – your ability to earn, substantially, over your lifetime. Now that you have a family, a spouse and kids to support, you need to hedge your human capital, you need to protect it in the event it’s lost – should you die unexpectedly. No one likes talking about death. Even writing these words, it’s hard to type them. But it’s necessary to convey the importance of life insurance. Life insurance protects […]

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Are Resolutions Worth It?

Jan 11 2019

After the first of the years it’s common of individuals to aspire to change their lives for the better. Many individuals come up with New Year’s resolutions – with aspirations of accomplishing certain goals or tasks that have eluded them in the past. But do resolutions really work? In other words, what good is a resolution without action? Granted, I am being nitpicky. But think of it this way. If I were to write down a handful of resolutions that I wanted to achieve in 2019 and beyond – they would simply be words on paper. Don’t get me wrong, having the resolutions or goals listed is an excellent start, but again, until they’re acted upon, nothing will happen. All the words and intentions in the world are nothing without action. So how can we convert resolutions into measurable acts? First, do one thing today that is an action toward […]

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Category - Uncategorized

Focus On The Future

Related posts:

The Secret to Retirement Planning

Do You Have the Cash to Cover Common Home Repairs?

Life Insurance: Protect Your Most Important Asset

Related posts:

Are Resolutions Worth It?

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