I’ll bet at some point last night many of our clients got a robo or spam call. Maybe perhaps when they were watching TV or putting the kids to bed. In this article, Paul Brandus, a columnist for MarketWatch.com, lists many of the ways to eliminate these pesky calls from your day-to-day life. His varied solutions range from fun ones to more legitimate ways to block these calls. For example, one of his ways to fight back is by simply turning the tables by saying something along the lines of “Hi, thanks for calling the Internal Revenue Service, please hold.” Another way, albeit more serious, he suggests to deal with these calls is by buying a landline with blocking capabilities. 09.23.19
Many clients have expressed concerns about their own spending. Some new research out of Spain, discussed by Market Watch’s Mark Hulbert, proposes that maybe it’s not your spending, but rather your withdrawal rate. Within this new article, Hulbert discusses the possibility of changing withdrawal rate with the flows in the market; to put it simply, if the economy is in a worse spot than the year before, withdraw less than that year. When the economy starts to perform well again, that money you saved will gain in value. You may find this reduction to be intolerable, but keep in mind the gain in future withdrawals when your savings are ahead of schedule. The even broader implication is that the world is profoundly uncertain, and no amount of good planning can possibly deal with eventuality. So it behooves all of us to plan for flexibility. 09.16.19
Retirement should be a welcome reward for long years of hard work, but without proper planning, it may turn out to be a lot worse that what you expected. Greg O’Donnell, an esteemed investment advisor, runs through five of the biggest retirement mistakes to look out for as you’re nearing or entering this new phase of your life. 09.10.19
This is some serious pillow talk.
Not getting enough sleep — or not getting quality sleep — can impact everything from your mood to your heart health, according to the Division of Sleep Medicine at Harvard Medical School: ”In the short term, a lack of adequate sleep can affect judgment, mood, ability to learn and retain information, and may increase the risk of serious accidents and injury. In the long term, chronic sleep deprivation may lead to a host of health problems including obesity, diabetes, cardiovascular disease, and even early mortality.” 09.04.19