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Welcome to the 'No-Guilt' blog!
People come to here because they want to build financial confidence and take meaningful action. We provide the context for those things that affect your financial health. Our goal is to help you live in the 'No-Guilt Zone'.

My Bold Top 10 Predictions for 2016…a little late, but crystal clear!

In our digital age, you can easily find past financial forecasts online. This makes it harder for the carnival barkers (i.e. professional stock pickers and various media) to hide the cracks in their crystal balls.

Still year after year, even with mounds of evidence that they don’t know the future better than anyone else, the carnival barkers continue to do so unabashedly.

A few weeks ago, NBA Legend Charles Barkley was asked why he injects “in my opinion” so frequently into his analysis and commentary. He responded by saying that he hates when other analysts give their opinions on things and make it seem as though their opinions are the only ones that matter.

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Rising Retiree Medical Expenses and Personal Savings

When I saw those numbers I thought, “Seriously? A quarter of a million dollars?”

The more shocking aspect of the $245,000 is that it only pays for basic coverage for a healthy 65-year-old couple. So, that number doesn’t provide the complete picture.

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Top 7 Myths About Financial Planners: Part 2

In my previous blog, we reviewed truths 1-3 to dispel the myths about “real” financial planners..  Now we’ll cover myths 4-7.
 

Myth 4: Financial planners are only for the people with lots of money. 

 

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Top 7 Myths About Financial Planners: Part 1

U.S. households generally agree they need a financial plan to achieve long-term success and security.  However, too many households—including those with engineers and scientists—hold beliefs about financial planners that make them hesitant to seek out or work with a qualified financial planner.  

Here are eight truths to dispel the myths about “real” financial planners.

Myth 1: Financial planners are the same as stockbrokers, insurance agents and other financial salespeople.  

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The Certainty of Uncertainty and its Financial Implications.

Life is full of uncertainty.  We as humans crave certainty, but life doesn’t offer it to us.

Over the past decade, I’ve heard lots of concerns about the economy and stock market.  And, we’ve been constantly reminded that what lies ahead is uncertain.

The headlines are filled with "Market Falls on …Recession Concerns …Unemployment Report …Gridlock in the Capital.”  “The Markets Rally on … Jobs Report …Earnings Surprise … Fed Rate Cut.”  Take your pick.  The possibilities are endless.

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Find your financial balance.

Our Financial Self-evaluation Tool helps you identify your financial blindspots and increase your financial power.

Download a free financial self-evaluation

 
 

Find balance in your Financial Life

Download our Financial Wheel of Life Self-Evaluation