Category Archives: THINK

Owning a prosperity mind-set eliminates poverty; scarcity thinking keeps you stuck.

Nuclear Family Financial Models

Nuclear Family Financial Models, Extended Family Realities Look at this picture of the silver-haired couple. It is a stock photo, one that could be used as the advertising background for any number of products or services. But since this is … Continue reading

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Inflation Distortions

INFLATION DISTORTIONS A bit of financial trivia that received a lot of attention in November was the increased cost of Thanksgiving dinner this year. According to the American Farm Bureau Federations’ survey, a turkey dinner for five with all the … Continue reading

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APPLES AND ORANGES: The Chance To Get Rich vs. The Guarantee of Avoiding Poverty

APPLES & ORANGES: The Chance to Get Rich vs. The Guarantee of Avoiding Poverty “The more things change, the more they stay the same.” Every now and then, a look backward can be enlightening. That’s the case with the on-going … Continue reading

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Research Shows Financial I.Q. Declines – Just When You’ll Need It Most

RESEARCH SHOWS FINANCIAL I.Q. DECLINES – JUST WHEN YOU’LL NEED IT MOST For many Americans, their most important financial decisions come at the end of their lives. They must decide when to retire, when to take Social Security, how to … Continue reading

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How Will The ‘Great Recession’ Change Your Perception?

HOW WILL THE ‘GREAT RECESSION’ CHANGE YOUR PERCEPTION? When it comes to money, the financial climate in which you grew up can have a life-long impact on your financial perceptions and behavior. The influence appears to be particularly strong if … Continue reading

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“Deleveraging” vs. Saving

“DELEVERAGING” VS. SAVING With the economic turmoil of the past few years still roiling their personal finances, many American households have made a focused effort to “deleverage,” that is, to pay down their debt balances. And while the average American … Continue reading

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Have You Scheduled Your Check-Up?

HAVE YOU SCHEDULED YOUR CHECK-UP?       December 31, 2011 represents the fiscal year-end for individuals and many businesses. In short order, this means collecting financial information, preparing tax returns, and compiling other accounting summaries, such as profit/loss and net worth … Continue reading

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Retirement Income Insurance

RETIREMENT INCOME INSURANCE: How to Make the Key Factor More Than Just a Guess “What’s my number? – That is, how much do I need to retire?”   These are pressing questions for individuals whose major financial objective is saving … Continue reading

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Hindsight Shows: Three Days Have Mattered Most

HINDSIGHT SHOWS: Three Days Have Mattered Most (But which three?) Math never lies, but sometimes you wonder what it says.Consider the following statistics, compiled by BTN Research: Stat #1: – The S&P 500 is down 1.1% (total return) YTD through … Continue reading

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Does Your Income Have “High Beta”?

DOES YOUR INCOME HAVE “HIGH BETA”? (And if it does, what are you going to do about it?)      Recently, the paradigm for a lot of financial discussions has been making distinctions between the 1 percent of Americans who earn the … Continue reading

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