EasyBlog

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 2

In Part 1 of Why Are Social Security Investment Returns So Low?, we looked at how insurance companies work and why they are inherently conservative.  Let’s continue by examining Social Security and its investment returns.

 

 

Now about those Social Security Investment Returns

Continue reading
655 Hits
0 Comments

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.

Continue reading
573 Hits
0 Comments

Social Security: What is it? Insurance or Investment?

For over two decades, we’ve heard ongoing calls to transform Social Security from a government administered “group” program, where everyone who’s ever worked benefits, to an investment program of individual accounts, where you as the investor manage your own account.

You hear the arguments about how the stock returns have far outpaced those of U.S. treasuries and how an individual could be worth so much more.  That may be true, but I assume there’s far more to it than your potentially receiving higher returns.

Continue reading
619 Hits
0 Comments

How to Prepare for Medical Expenses in Retirement?

The question about handing medical expenses in retirement is coming up more frequently, even among my younger clients.  They hear that the average lifetime retiree health-care costs is over $400,000 for insurance premiums, co-pays and other out-of-pocket costs.

One of the best ways to prepare to manage these expenses is to get healthy now.  What do I mean?

Continue reading
548 Hits
0 Comments

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.

Continue reading
616 Hits
0 Comments

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