I have visited Niagara Falls several times. What a powerful show of nature. The falls are both inspiring and humbling as they remind us how tiny we are in this big world. One day while taking a formal tour of the falls, our guide pointed out how many people had gone over the falls in…
When should I retire? That is one of the most common questions we receive. It is one of our most significant financial decisions because on that day we shift from producing income to being forced to live on what we have already saved. We go from being a producer to being a consumer. We are…
People often wonder why the stock market tends to go up after an election. If you look at it historically it doesn’t even seem to matter which party wins. According to Bloomberg research, going back 60 years, during the 12-month period before a mid-term election the S&P 500 averages a 1% loss. In the 12…
I visited with a couple this week who were seeking to get on a sound financial track. I asked what steps they had taken, and the reply was that they had read 12 books on the subject. When I questioned what they had learned there was a slight pause before both laughed as one said,…