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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'.

Rising Interest Rates and U.S. Stocks: What Happens Next?

Conventional wisdom suggests that rising interest rates are not good for stocks.  Following the Federal Reserve’s (the Fed) most recent rate hike in December 2015, the market has been increasingly volatile to the downside.
 

Is this evidence that conventional wisdom is right?

Or will a review of the historical evidence suggest that this downside volatility is likely an overreaction?

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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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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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