Warning: Scams abound. This is a quick note to remind you that these are perilous times. There are phone scams, email scams, phishing scams, tax scams, website hijacking scams, etc., etc., the list goes on. Why do you care? Because the scammers are getting cleverer, and the potential cost of being scammed is great. So, we are including a few… Read more →
Category: Financial Planning
Just A Few Things.
If you are an investment client of Financial Planning Associates, Inc., your preliminary 3rd-quarter reports have been posted to your secure web portal. Final reports will replace the preliminary reports after September inflation information becomes available. Note: The calculation used to determine our clients’ returns is called the internal rate of return. It is cash flow specific and is net… Read more →
Healthcare, Blockchain, Quarterlies, and More.
Our financial planning clients know that one of the great concerns during financial independence (retirement) is the uncertainty regarding healthcare costs. In fact, for the past twenty years or so we have modeled healthcare costs using a 6% annual inflation rate, twice the general rate of 3%. I still recommend this, however, there is the possibility that new technologies can… Read more →
Now Women, That’s A Whole ‘Nuther Thang!
Now women, that’s a whole ‘nuther thang! — Keb’ Mo’ Keb’ Mo’ is a blues singer, a Grammy Award winning blues singer. Like most blues singers he writes songs that are unpretentious, down to earth. Songs like the one named above. Question: Very interesting, Carl, but what does that have to do with my financial plan? Answer: It might have… Read more →
The 2009 Bull Market Continues!
The 2009 Bull Market Continues! In early 2009, following the 2008 global credit crisis the US stock market began an upward movement which has continued without significant interruption. (See graphic below.) Of course, one question that is on the minds of many investors now is, “Can this continue?” I can answer that question. The answer is, “Yes, it can. But… Read more →