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Current Article

An Inconvenient Truth About Social Security

Social SecurityDid I achieve a journalistic milestone? I got my first tip from an insider. What I learned is darn important for our readers.

Our article "The Social (IN)Security Charade", discussed how the government gave us a COLA increase and took it right back by increasing medical premiums.

The tipster confirmed I was spot on – however, I barely scratched the surface. While I prefer interviewing the experts, he politely declined, wishing to remain anonymous (now John Doe).

John's concerned; all generations need to know the facts, so they can plan accordingly. After following his research suggestions, I've come to a conclusion about social security.

Click here to read more...

Archived Articles

Are Your Fingernails Blue?

On a hot summer day, I was flying my single-engine Piper Comanche from Schaumburg, IL to Indianapolis, IN. I decided to fly higher than ever before (9000 feet). With the tailwind, I touched 200 mph. The sky was crystal clear; I could see across Lake Michigan. I felt like I was in the stratosphere and could see forever! It was […]

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Annuities – Risk and Reward

A decade ago I believed annuities were for rich people, the average person probably doesn’t need them. Investing through an insurance company is generally expensive. What do retirees need from their retirement plan? Whether you have a pension, 401k, IRA or a combination, most people say they want “guaranteed income” for the rest of their life. When you unpack that […]

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You Can’t Outrun A Wasp!

My grandfather, William Paul Smith was an ordinary dairy farmer with a degree in common sense. One of his favorite sayings was, “It’s the same thing, only different.” 70 years ago, he warned me not to throw rocks at a wasps’ nest. As I cried and put ice on the sting, he explained what happened always happens – and I […]

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The Social (IN)Security Charade

I’m frequently asked, “Should I count on social security when doing retirement planning?” The best approach is to discuss what my wife Jo and I have experienced. I compared our 2018 benefit statement with 2015. Our Cost of Living Increase (COLA) was 2.3% – (1.15% annually). Our net payments dropped approximately 1.75% – we are clearing less today than we […]

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Understanding Debt

Remember when pundits suggested the way to get rich quick was to use “Other People’s Money” (OPM)? They pointed to real estate empires and stock market success resulting from investors leveraging debt to accumulate wealth. It’s not as easy as it sounds. I moved to Atlanta during the cable TV boom. Several friends worked for Scientific Atlanta, an innovator in […]

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Should You Pay Off The Mortgage?

I’m frequently asked about paying off a home mortgage. I tell everyone, “It depends!”. I asked that same question. A friend said his CPA was emphatic that one should not pay off their mortgage. He arranged a meeting where the three of us could talk. The CPA asked about the interest rate; 6% at the time. He showed me excellent […]

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