Insurance

“When people point out that I am successful in business AND a woman and a mother, I have to wonder why that should come as a surprise or be a fact worth noting.” What challenges do women face when it comes to money? What must they do to overcome these challenges? And where are the…

Not much in life is truly “guaranteed.” We can’t guarantee the weather, what other people will or won’t do, the direction of the markets, or even if we’ll be around to see tomorrow. And even most “guarantees” have exceptions. Your purchase is guaranteed – but only for 30 days, or unless you drop the item,…

“Whole Life or Term Insurance?” It’s a never-ending debate amongst financial advisors and self-proclaimed experts. Today, we’d like to suggest a third option. But first… let’s summarize the two most popular and obvious choices: Term life insurance allows the insured to afford more coverage for less premium, thus putting greater protection in place, in the form…

Chances are, you were affected by Equifax security breach which impacted 143 million Americans, plus some Canadians and Brits with US dealings. The breach reportedly happened on July 29, 2017, although the public was not informed until early September. If you’re not sure what to do about it, or whether you’ve done enough, this article can help…

Investors have short-term memories, which is why so many cling to the stock market, even when it’s on a downward trend, or overdue for a correction. If you have lost confidence in the market, or are simply looking for WHERE you can invest OUTSIDE of the stock market-safely and profitably-you’re not alone. So why do even nervous investors still cling to mutual funds and…

While inheritances are largely thought of in terms of financial legacies, there are many things that we “leave” for our children, including things they may not want! Our financial, emotional, physical, intellectual and spiritual legacy is hopefully a positive one, not one that burdens them. Whether or not you have life insurance, assets, or a…

If you’ve been paying attention, you’ll know that bonds aren’t what they used to be. Values are declining, risk is up, investors are selling, bond funds are underperforming, and municipal bonds are no longer the safe haven they once were. “With the demise of the bond insurance industry in the financial crisis, credit quality in…

As we approach Valentine’s Day, millions of Americans will celebrate with special dinners, cards, flowers, chocolates, and “I love you’s.” Unfortunately, millions more won’t be celebrating their relationship, because they were torn apart by conflicts over money. “Money fights predict divorce rates,” says the New York Times. 80 percent of couples fight about money, says…

Everything in life… has to have balance.” -Donna Karan Have you taken a “30,000 foot view” of your finances lately? Is it positioned for the growth, strength, stability and cash flow you desire? To help you answer that, let’s examine asset allocation and diversification through the lens of Prosperity Economics. First off, let’s define a…

“The human species, according to the best theory I can form of it, is composed of two distinct races, the men who borrow, and the men who lend.” – Charles Lamb It’s one of the oldest, most proven forms of investing; lending capital to another-perhaps someone who can’t get traditional bank financing-in exchange for interest,…

“You should have a strategic asset allocation mix that assumes that you don’t know what the future is going to hold.” -Ray Dalio So you’ve conquered the your local real estate market. You’ve got 6 or 8 rentals, each earning cash flow. Congratulations! Now… what if a natural disaster decimates the area, or if the…

One of the biggest fears people have is running out of money in retirement. And for many Americans, this is a very real risk, not an irrational phobia. If you are a reasonably healthy 65-year-old non-smoker, actuarial tables estimate you’re likely to live to age 86, as a man, and 89, as a woman. And…