It’s A Good Time To Consider A Roth IRA!

Friend Henry M. sent an article about Roth IRAs. This is the time of the year to review things and make necessary decisions. The article asks the right questions while stressing consulting a fiduciary advisor, with tools and encouraging readers to find one. It’s a cleverly worded referral service earning fees from advisors. Most financial advisors earn ongoing fees for […]

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The Final Act – How Will It End? What Can We Do?

In a recent interview with Chuck Butler, we discussed the US Financial Cycle using Ray Dalio’s chart in “The Changing World Order”. Ray points to the downside of the empire: Large Debts Printing Money Internal Conflict Loss of Reserve Currency Weak Leadership Civil War/revolution While our discussion focused on “Loss of Reserve Currency”, it’s part of a much bigger picture. […]

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The Generation X Retirement Report Card Is Scary!

Early Generation Xers (1965-1980), age 58, are nearing retirement, while the younger (43) folks are turning the corner into their peak earning years. The National Institute on Retirement Security report “The Forgotten Generation: Generation X Approaches Retirement” indicates the majority are FAILING to save anything close to enough to retire comfortably. Even with 401k programs available their entire careers, most […]

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I Need Safe, Dependable Income I Can Count On!

Our recent article, In Government We Trust??, struck a nerve with many readers. Subscriber Dan H. shared a graph, stating, “This is the only graph you need”. This isn’t just the US. Urs Vrijhof-Droese recently provided his international perspective: “Realistically, we are moving back to where everyone was responsible for their well-being throughout their life, including retirement. I would not […]

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You’re Buying the Government?

Trillions for bank bailouts, secret loans, exorbitant inflation, negative interest rates; middle class struggles while the rich get richer…. How did we get into this mess? Frontline on PBS outlines, “The Long Demise of Glass-Steagall.” (Emphasis mine) “1933 Following the Great Crash of 1929,…politicians, see market speculation…by banks during the 1920s as a cause of the crash. In 1933, Senator […]

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‘Don’t Fight The Fed Works’ In Both Directions…

As the market soared, pundits hawked their investment flavor of the day; “Don’t Fight The Fed!” Buy stocks based on the actions of the Fed, not the value of the company. Even forever unprofitable companies saw their stock prices skyrocket. Traders made a lot of money playing that game. Bill Bonner wrote, “After 1999, stocks rose for the wrong reasons; […]

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Eventually Has Finally Arrived!

When the Fed bailed out the banks in 2008, flooding the system with trillions, you just knew high inflation would be the result. It just had to happen! The government jumped in, borrowing trillions more at historically low interest rates. Not willing to let rates rise to free market levels, the Fed simply created money for the government and put […]

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