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Financial Pathways Offers Low Cost Annuity Review and Analysis. It’s not just you. They are extremely complex. And every VA has its own unique little features, fees, tricks and traps which are unseen and unknown to both the people who buy them – and (I suspect) even the people who sell them! I do
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Housing Prices are Up! Stocks Skyrocket! Are these markets for Real? The stock market has been on a tear for most of this year. Every day is up, up, up. Should stock investors be worried? Are we heading for another 1999 style bubble? Why is the stock market doing so well when the overall economy
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It seems fashionable for many to downplay the importance of Social Security as a source of funds for retirement. “Oh the system is bankrupt anyway.” “How do we even know the system will be around?” Comments such as these indicate that many people feel as if the system a) is not all that crucial anyway
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A debate continues in the investment community over the investment merits of gold. On the one hand are the gold bugs. The argument says that gold is the world’s traditional “store of value”. This argument says that when all else has collapsed and we are living in post apocalyptic world, we will be using gold...
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As April 2013 draws to a close, economic reports varied. Some indicate continued modest strength, others indicate a general slowing. Housing Reflation. Home prices are up big time over the past 12 months. Case Schiller home price index indicates median price in 20 cities is 9.3% higher than a year ago. This is excellent...
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An interesting Princeton University study suggests that confidence in one’s own financial security and future is a more important determinant of general life satisfaction and happiness than one’s level of wealth and status. The study also that this sense of financial security does not increase directly with increased...
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Wow! The S&P 500 index is hitting new record highs, and is up over 10% already in this still new year. Who would have thought? It seems like just a short time ago it seemed the country and the world were going to fall apart, with dysfunction in Washington and in Europe, and even Chinese
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With the cost of college increasingly moving beyond the reach of many American families, parents often find themselves sacrificing their own financial futures to help their kids pay for the cost of college. This is a frightening trend. Of course as a parent, you want to do anything for your child. That includes sending...
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Ours is a confusing industry. Those who venture out in search of sound financial advice often find a marketplace swarming with smooth talking hard selling salesmen (and just a few women) intent on convincing you that their financial product will cure all your financial ills. This is not what financial planning is supposed...
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On Saturday morning, I made a presentation on the topic of “What’s Your Retirement Number” to a group of about 150 or so folks at the New Jersey 101.5 radio station “Making Sense of Your Money” seminar. The focus of the seminar was based on how to utilize various rules of thumb which guide our
