Category Archives: THINK

CHECKING (and fixing) YOUR UNIVERSAL LIFE POLICIES… Before It’s Too Late “The future ain’t what it used to be.” – Yogi Berra (This article is a bit on the technical side, but understanding the concepts could be important.) Universal life … Continue reading →

WILL ROBOTS MAKE THE 401(k) A DINOSAUR?

Extended Family Issue:Special Needs Planning Raising a family is challenging under any circumstances, but for parents with special needs children the stakes are dramatically higher because the parenting responsibilities may last the child’s entire life. This reality can be overwhelming, … Continue reading →

Extended Family Issue: Financing Independent Living Arrangements As they have at every juncture in their lives, the demographics of the American Baby Boom generation are once again changing cultural norms. This time, the change is a “silver tsunami” encapsulated in … Continue reading →

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 →

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 →

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 →

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 →

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 →

“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 →