A good problem to have: saving too much
The most fundamental financial advice — to consistently save — is absolutely correct. What’s less obvious, yet equally correct, is that you can also save too much.In order to strike the right balance between diligent saving and saving too much, you need a blueprint.When saving goes too farI recently met with two of my clients, we’ll call them Larry and Laura (not... READ MORE
Nervous investors look to dividend stocks
While most investors are publicly celebrating this record-setting bull market, many tell me in private that they’re nervous about the possibility of a downturn.People have different reactions when the market does so well for so long. Some are sure they should get out, but greed won’t let them pull the plug. Others are eager to get in on the action, but fear won’t let them... READ MORE
Widows need an attorney to protect assets
Recently widowed women and their children are vulnerable. After losing a spouse, many women are treated poorly. They need a champion with expertise in estates, contracts, competency, and other legal subjects. As explained below, this area of law is effectively a “wronged widow” practice.For centuries, numerous people have profited from the death of a colleague, friend or... READ MORE
Let’s retire these five myths of retirement
After decades of paychecks, you might be counting the days before you can leave your job for good.Every day is a free day. Waking when you like, drinking coffee in the sunroom, and puttering around the house to your heart’s content may be your retirement dreams. But the truth is that those visions are not what the retirement lifestyle usually turns out to be. online pharmacy buy... READ MORE
Praising volunteers of all ages
Janice and George Vanisko were “sort of embarrassed” to be heralded a few months ago by the County Council and the Volunteer Center of Howard County with the Dynamic Duo Award, one of several awards honoring county volunteers. After all, they say, shouldn’t we all spend hours each week helping those in need? Janice, a 76-year-old retired nurse, and her husband George, 82, a retired ... READ MORE
Certified used cars offer peace of mind
A certified pre-owned vehicle costs more than a regular used car, but it can give buyers some peace of mind in an often murky market.Certified pre-owned vehicles are used cars that are backed by an automaker’s guarantee. They’re usually newer cars, coming off two- or three-year leases.U.S. certified pre-owned sales grew by 61 percent to 2.6 million between 2010 and 2016,... READ MORE
Biggest estate-planning mistakes to avoid
There are several common mistakes people can make when planning — or not planning — for what will happen with their estates when they die.The legacy you leave can either simplify the process of dealing with your personal and financial property, or it can be a worrisome burden for those you leave behind.So let’s take a look at what you should discuss well ahead of time with ... READ MORE
Startups focus on better aging
Can you imagine a pair of glasses that can brighten and enlarge whatever you happen to be reading or looking at, responding to your voice commands? Or can you imagine a phone app that summons a trained driver in a wheelchair-accessible van to take you to a doctor’s appointment? Or can you visualize the difference it would make to an Alzheimer’s patient if his caregivers had instant... READ MORE
Why target-date funds are so popular
When it comes to building their retirement nest egg, investors are increasingly betting on the set-it-and-forget-it approach of target-date funds.Q: What sets these funds apart from one another, or from simply investing directly in another type of hands-off investment, like an index fund or ETF? A: The distinguishing feature of target-date funds is the glide path, which reflects how they... READ MORE
Are you sabotaging your investments?
The stock market has raced to record highs this year, but your portfolio may not show it.In some ways, that’s to be expected: A balanced portfolio won’t post the same returns as the Dow Jones industrial average or the Standard & Poor’s 500, nor should it. You would have to be 100 percent invested in stocks to mirror the market’s performance, and that kind of... READ MORE
