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David Hawley

Dr. Manfred Henne

It is important to be aware of the fact that you can become your own health care advocate, and to choose where and from whom you receive medical services. You have choices! You can select your physician, your medical group, your hospital and the provider of any other medical services such as imaging and physical therapy, etc. read more »

 

You’ve no doubt heard about the risks associated with investing. This investment carries this type of risk, while that investment carries another one. And it is certainly true that all investments do involve some form of risk. But what about not investing? Isn’t there some risk associated with that, too?

In fact, by staying on the investment sidelines, or at least by avoiding long-term, growth-oriented investments, you may incur several risks. Here are some to consider:

You might not keep up with inflation. If you put all your money under the proverbial “mattress,” or, more realistically, you keep it all in “cash” instruments and very short-term investments, you might think you are “playing it safe.” read more »

 

To achieve investment success, you don’t have to start out with a huge sum or “get lucky” by picking “hot” stocks. In fact, very few people actually travel those two routes. But in working toward your investment goals, you need to be persistent — and one of the best ways to demonstrate that persistence is to invest automatically.

How do you become an “automatic” investor? You simply need to have your bank automatically move money each month from a checking or savings account into the investments of your choice. When you’re first starting out in the working world, you may not be able to afford much, but any amount — even if it’s just $50 or $100 a month — will be valuable. Then, as your career progresses and your income rises, you can gradually increase your monthly contributions. read more »

 

Several years ago, a book titled Men Are From Mars, Women Are From Venus was quite popular. As the title suggests, the book argues that men and women are vastly different from each other, particularly in their emotional needs and in the way they communicate. While not everyone agrees with the notion that men and women might as well be from different planets, most of us would probably concur that the two genders frequently behave differently — and this divergence in behavior may also show up in the way that we invest. read more »

 
Financial

Here’s a sobering statistic: 46 percent of workers surveyed had little or no confidence that they will have enough money to live comfortably throughout their retirement years, according to the 2010 Retirement Confidence Survey, issued by the Employee Benefit Research Institute. So you may want to explore all possible retirement savings vehicles — including a variable annuity.

Generally speaking, when saving for retirement, it’s a good idea to contribute as much as possible to your IRA and your 401(k) or other employer-sponsored retirement plan. But if you’ve fully funded those plans for the year, and you still have some money left to invest, you may want to consider a variable annuity, which offers these benefits: read more »

 

You may have read about a vast “transfer of wealth” that is taking place as baby boomers start to inherit money from their parents. While it’s true that the wealth being transferred is enormous — in the billions of dollars — it may not have much of an impact on your life.

In any case, if you get an inheritance, you’ll want to make the right moves. read more »

 
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