Thinking back to late March 2020, Covid-19 news had just broken 2 weeks earlier, and President Trump had just signed The CARES ACT (Coronavirus Aid, Relief, and Economic Security)! The Triple PPP (Paycheck Protection Program) was the centerpiece of The CARES Act. I was sitting on the couch thinking about how many businesses will be going under, and concerned about…read more →
Wishing a “good riddance” to 2020 and welcome to 2021! Although 2020 was a lost year for many, the Covid-19 Pandemic has re-written spending patterns that should be analyzed and discussed. There is much to be learned from last year, some of which can benefit us going forward! Follow these 6 TIPS to improve your finances in 2021 and beyond!…read more →
By the time you read this, we will thankfully have waived “good riddance” to 2020! Wishing you and your family a Happy, Healthy, and Prosperous 2021! Covid-19 has created many behavioral shifts in the year 2020! Some behavioral shifts are temporary, and some could be here to stay. One of those shifts has been toward internet shopping for holidays, tangible gifts, and sometimes…read more →
Seven practical ways to get more done with less stress There is a saying “Time IS Money!” I believe this is true, especially during this COVID-era. Since most of us are spending more time at home, time-management is more important than ever! They say, “WORK SMARTER, NOT HARDER,” right? Do you know how to accomplish this? Time management and good…read more →
COVID-19 is rapidly changing the world and we must adjust accordingly! There is a myriad of issues that will come to the surface in the first quarter of 2021. In addition to the expiring of moratoria and other safeguards, many industries will be cutting and furloughing jobs. HSBC bank, citing issues between China and the USA announced the elimination of…read more →
With Thanksgiving weekend upon us and Covid-19 out of control, tensions and stress are on the rise! President-Elect Joe Biden (refer to my “Bidenomics” column from 2 weeks ago) pledges to raise corporate taxes while also spending more money on free tuition for 2 years of community college for all families who earn under $125,000. In addition, the…read more →
It now appears Joe Biden will be taking over the reins of power in January. I feel this is a good time to address some changes he might make based on his platform. The question is, what does “BIDENOMICS” mean to your wallet or purse? Over the years, I have found that politicians’ actions are often incongruent to their words. …read more →
When sitting or now Zooming or Skyping with clients to talk their future, I ask a variety of thought stimulating questions such as: how long do you plan on living? What is most important to you? What are your goals and objectives? How much do you want to leave to your children? The first question is the most difficult…read more →
If you watch TV, especially in the daytime, you might be familiar with Fisher Investments. Ken Fisher built his empire by saying “never buy annuities.” He has inferred that ALL annuities suck! Ken was probably referring to variable annuities, which can have high annual fees. Just like anything else, there are good products and bad products. An independent advisor’s job…read more →
You do not need me to tell you these are crazy times! They will be talking about 2020 for many years to come. Although the last 6 COVID-19 pandemic-months have been long; in a way, blink your eyes and it is already the 4th quarter of 2020. What does this mean financially? There are MAJOR OPPORTUNITIES AVAILABLE for ALL…read more →
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