Author: Peter Wechsler

The Markets Go Mad For Obamacare! Really?

The older we get, the more set in our ways we become and the more we hate change.  Because of that I really don’t ask people to change their ways.  Instead I ask them to make new decisions based on new information.  Wondering how that works out for me?  I guess it depends on the…
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March 14, 2014 0

What Does A Bond Bear Market Look Like?

Since 1981, interest rates have steadily fallen. For bond values, that represents the Garden of Eden, as bond values are inversely related to interest rates. And to be clear, inversely related means that bond values move in the opposite direction as interest rates. Here’s the problem. As you are probably aware, interest rates are about…
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March 7, 2014 0

How Bad are Reverse Mortgages?

I’ve never had a client use a reverse mortgage, but many folks ask about them and lately the subject had popped up more frequently in client meetings. While reverse mortgages are available to homeowners age 62 and up, the longer you wait…the better.  The amount of funds available through a “reverse” are based on the…
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February 27, 2014 0

State Tax Rates Throughout Our Country

This week I just wanted to share a quick map with you. It’s a map of the US that shares top income tax rates state by state. It’s fun and interesting to check it out. To see the original, just click the link below… Top Income Tax Rates by State   Your Retirement Quarterback®


February 27, 2014 0

Must I Sign Up For Medicare At Age 65?

By Howard Peck Medicare Supplement Specialist When Medicare was first instituted in 1965, age 65 officially marked the time when you would retire, start your pension, file for Social Security, and enroll in Medicare. Since then, the retirement landscape has changed. The full retirement age for Social Security is 66/67. The traditional pension has all…
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February 21, 2014 0

Odds & Ends

Who Are the Job Creators? For years I have been hearing so many politicians talk about how small businesses were the engine creating most new jobs in this country. They often used this as an excuse to not raise taxes, to not change health care, to not raise the minimum wage, etc., etc., etc.. According…
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February 21, 2014 0

Can You Handle the Stock Market?

The article heading is probably the wrong title. Maybe it should be called: Can You Handle Stock Market Volatility? A recent column in the Wall Street Journal asked this question with the byline: It’s an expensive place to find out what kind of investor you are. As a retirement and income planner, what I’ve noticed…
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February 14, 2014 0

Will This Be The Year The Market “Corrects”?

For the last couple of years, market prognosticators have been predicting a market correction. But thanks to the Herculean efforts of the Fed’s 24/7 money printing machine, markets had avoided the dreaded “correction” so far. Or…maybe not? It’s late Monday afternoon as I pen this column, having just gotten home from the office after another…
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February 7, 2014 0

It Can Affect Us All

As I ponder on what to write for this article, I decided to write about a personal experience my family and I are experiencing now. My mother-in-law was recently diagnosed with terminal cancer, and is now in need of care. The hospice nurses, who have been sent down from heaven, (and anyone who has experienced…
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January 30, 2014 0

An Evening with President Bush

Last week I attended our annual insurance marketing conference in our nation’s capital.  I love Washington but generally I love it when it’s not as frigid as it was last week.  The conference was in a stately older hotel, The Omni Shoreham. We had a few very interesting speakers including Bo Eason, a former NFL…
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January 30, 2014 0