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Otherwise known as “ObamaCare” by its detractors (who thereby reveal they have never read the act), the Patient Protection and Affordable Care Act is one of the few bills excreted by Congress with congruence between its name and what it actually does.  The “ObamaCare” label is inaccurate because- after massive tinkering by the health care […]

Financial services marketing powerhouse, Genworth Financial, conducted a recent survey- the LifeJacket Study -to assess what you and I think.  The numbers below surprised me . . . because they support what I’ve always believed:  most of us want a one-stop shop when it comes to financial services, and, many of us let things slide

Don’t you love it when the Medicare Open enrollment period comes around every year?  I’m not even eligible yet but I’ve been getting all kinds of junk in the mail about which Medicare plan to buy.  And I hear that there is no lack of TV advertising.  (Oddly, the enrollment period was changed from 11/15-12/31

Not that it’s that interesting but I recently made some big changes: I closed my office and moved it back into my home.   I got rid of pickup loads of stuff.  And then I sold my pickup.   I’m as vegetarian as I can be.  In his book Eating Animals  Jonathan Foer points out that since

Yes, despite all the hysteria in the media, the windbags in Congress and most people I talk to, the debt ceiling is much ado about nothing.  Congress and the President are playing a game of chicken to distract you from what you should really care about:  the greatest theft of wealth from you and me

In another blow to the lousy financial advice promulgated by Rupert Murdoch’s media empire, three major sources have sung the praises of annuities.  Especially significant is how annuities can be used to help delay Social Security benefits to full retirement age.  I’ll give my sources credit for this info.  See the following link:Robert Powell from

Go to this link to read for yourself a very intelligent (finally) appraisal of annuities, oddly enough, in the financial press:  http://webreprints.djreprints.com/44207.htmlAdvisers like myself who have been recommending annuities for the last four years don’t need a journalist to tell us how good they are; we have direct experience.  Annuities are ideal for avoiding at

Even an old goat like myself can learn something new (several times a day, as a matter of fact).  Until today, I did not know there was such a thing as the Death Master File.  Although one may think this is one of Satan’s nefarious databases, rather, it is issued weekly by the Social Security

Yours truly used to spout this myth, about betting on the ingenuity and hard work of the American worker, that “productive America”, (which at the time implied Wall Street & the Banksters as opposed to actual workers actually working) would perpetually deliver us the American dream.  I also used to- and still do -issue the

It is clear that Ken Fisher dislikes annuities.  It is also clear why:  they make him unnecessary.What is unclear is, “Then why do investors love them??”  Well because of: Protection of principal Predictable future minimum values Lack of market risk Guaranteed lifetime income Leveraged death benefits for heirs Inflation protection I’m not saying one can