If you are an investment client of Financial Planning Associates, Inc., your preliminary 2nd quarter reports have been posted to your secure web portal. During the quarter our clients’ investment accounts increased in value by an aggregate average amount of +1.06%. The portfolio with the highest return increased by +3.72% during the quarter. So far in
Note: The calculation used to determine our clients’ aggregate returns is called the internal rate of return. It is cash flow specific and is net of all fees and expenses. It represents the average return experienced by our investment clients, from the most conservative to the least conservative who were invested during any portion of the period. Typically, our younger clients experience returns greater than the aggregate, and our most conservative investors may experience results that are lower. Investment return information is provided by Morningstar using GIPS standards.
How much do you pay now for healthcare? How much will you pay for healthcare later on? These are questions that must be considered when planning for retirement. Studies have found that Americans are concerned about the likely increases in costs associated with healthcare. Rightly so. Is there anything that you and I can do to avoid, or minimize increasing healthcare costs? There is.
Have you ever noticed that advertisements for healthcare products often include disclaimer language similar to this? “Our product has been found to be effective when combined with regular exercise and good nutrition.” It’s almost like they are telling us that in order to be healthy we need to exercise regularly and make good food choices. But, we know this. We have known this for a long time. Now the World Health Organization provides another reason to exercise – avoiding dementia.
Dementia (Noun): A chronic or persistent disorder of the mental processes caused by brain disease or injury and marked by memory disorders, personality changes, and impaired reasoning. Synonyms: mental illness · madness · insanity · derangement · lunacy · senile dementia · Alzheimer’s disease · Alzheimer’s · softening of the brain
From the World Health Organization website:
Risk factors and prevention
Although age is the strongest known risk factor for dementia, it is not an inevitable consequence of
So, I’ll see you at the gym. Or on the track. Or in the yard. Or on your yoga mat. As the song says, let’s get physical!