What to look out for in senior scams Recognize Common Scams Impersonation Scams: Callers pretend to be from a trusted organization (e.g., IRS, Social Security Administration, tech companies) to trick you into sending money or disclosing personal Lottery or Prize Scams: You’re told you’ve won a prize but need to pay taxes or fees to claim Threatening Scams: Callers threaten legal action, arrest, or other penalties unless you pay a…
Education
Does It Make Sense to Hire a Realtor?
Does it make sense to hire a realtor? If you hire a realtor to help you sell your house, most of them will charge you a commission between 5% and 6%. So, why do realtors charge so much? Services Provided: Realtors offer a range of services that can justify their fees, including market analysis to price the property correctly, marketing the property, negotiating with buyers or sellers, and navigating complex…
How To Find A Good Estate Attorney and Craft A Quality Financial Plan
How to find a good estate attorney and craft a quality financial plan The cost of setting up a trust varies widely depending on several factors, including the complexity of the trust, the assets involved, geographic location, and the attorney’s fees if you choose to use one for the setup. Generally: Simple Trusts: For straightforward trusts, such as a basic revocable living trust, the costs can range from $1,200 to…
The Best Kept Secret… An Introduction to IPS Custom Structured Notes (Index Treasury Notes)
The Best Kept Secret… An Intoduction to IPS custom strucutred notes Index treasury notes The Investment Secret of the Pros Since the first neanderthals realized that you can store grain over the winter and have more to plant next spring, people from all walks of life have puzzled over the problem of maximizing their investment returns while minimizing, or completely avoiding, losses. This is the “financial-planning paradox.” The Oracle of…
The Ideal Investment for Today’s Market Environment
“In today’s uncertain market environment, everybody would want to put certainty back in their investment portfolio. You can’t get more certainty than U.S. Treasuries and exchange-traded options to deliver the peace of mind we all want.” The truth is that nobody knows what the market will do, so let’s do this. Invest most of our portfolio in one-year U.S. Treasury Bills and use the future interest today to buy index options giving…
Should You Buy the Dip?
Should You Buy The Dip? What everybody wants to know Is this a good time to buy the dip, hold your current positions, or go to cash? I’ve been in this business for over 30 years, and I have learned some tough lessons: Market timing is a fool’s game. People confuse being lucky for being good. Buying and holding for the long term is a strategy that, near retirement, can…
