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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'.

Why Are Social Security Investment Returns So Low? Part 1

In the previous blog Social Security: What is it? Insurance or Investment?, we determined that Social Security from its beginning was and is an insurance program that blends the personal needs of each participant with the collective needs of society.

Given that it operates like private insurance, the logical question is: “How does an insurance company work?”

In this two part blog, we will first answer that question.  In part two, we will look at Social Security investment returns.

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Gas Prices: Do consumers purchase more when prices fall? Or less when prices rise?

A common water cooler topic and segment on the local news is the price of gasoline. Remember when we were paying $5.00 or more per gallon?  Over the last year or so, you may have been overjoyed at paying closer to half of that amount at just over $2.50 or less per gallon.  Even today’s $3.00 per gallon seems like a bargain.

With all the talk about gas prices, it seems reasonable to assume that when gas prices are high, people drive less and consume fewer gallons.  And, likewise, when prices are lower, people drive more.

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Forecasting Bond Yields and March Madness: Another Broken Crystal Ball

I grew up in Basketball Country (aka The Bluegrass State) and there’s nothing like this time of year.   Four full weeks of college hoops. Conference tournaments and then the NCAA tournament.  And, the tens of millions of tournament bracket submissions filled with predictions about who’s going to win and advance round by round.

These are always fun and add to the spectacle of college hoops and the ribbings and banter among friends.   I love it!

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The Latest Bear Correction: Come on Feel the Noise…

For much of this year, the headlines have been filled with doom and gloom.  The pages and airways declared that the economy and stock market are falling apart.  There’s noise everywhere.

But, the reality is that the latest downturn is just a normal part of our economy and financial markets.  The dynamic nature of capitalism often masks the cyclical behavior of both U.S. and international economies.  Because these cycles can take years and decades to play out, it is frequently difficult for many people to see beyond what’s happening in this moment.

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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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