Concerned About Trusting An Insurance Company With Your Important Retirement Funds?

How safe is your fixed indexed annuity? Should you trust a fixed indexed annuity with your important retirement funds? What happens if an insurance company were to fail? These and other questions are vitally important and the answers may surprise you.

By |2020-04-14T00:04:18+00:00February 12th, 2020|Annuities, Retirement Planning|

Brokered CDs, Are They Right For You?

Typically Brokered CDs are long term commitments. A Brokered CD could have a term of 10 or 20 years. The value of the Brokered CD is set for the time duration offered by the bank. But the actual value of the Brokered CD changes daily based on general interest rates available to the consumer. In many ways Brokered CDs are the same as a bond, the bond will pay a specified interest rate for a specified time periods but if the bond is sold prior to maturity, the actual amount received by the bond owner may be higher or lower than the face value.

By |2020-04-13T19:22:20+00:00February 6th, 2020|General Business|

What Does the FDIC Not Guarantee or Insure

We all know that the Federal Deposit Insurance Corporation insures our bank deposits.   They are safe, and they are guaranteed. We, as a nation, depend on these guarantees as to the financial backbone of our monetary system. Have you ever wondered what is not insured? Investments in stocks, bonds, mutual funds, municipal bonds or [...]

By |2020-04-15T01:16:23+00:00February 5th, 2020|General Business|

The Dow Jones Industrial Average Will Hit 30,000

I remember well that statement being made at a financial convention years ago, the speaker followed up his announcement with this: “I just don’t know when!” It seems that the stock market is always going up, and yet his past few days something odd has happened, it has dropped, dropped like a rock. Immediately after [...]

By |2020-04-15T23:45:30+00:00October 22nd, 2019|Investing|

4 Strategies To Reduce Volatility In Your Retirement Portfolio

I have been asked recently how the current volatility of the stock market will affect the interest in annuities. Of course, the obvious answer to avoid instability is to get out of the market, and most people are fearful of that. While the issue of volatility is clear, greed and desire to make more and [...]

By |2020-04-12T23:27:12+00:00September 23rd, 2019|Investing|

Sleep Tight Knowing Your Investments are Safe.

Sleeping well is tough with the volatility of our economy   The stock market is volatile. The CEOs salaries are out of control. The hedge funds are losing money. What options does that leave for the safety investors? Where can we invest our money to ensure it will not lose value? A bigger question is [...]

By |2020-04-16T00:22:12+00:00June 10th, 2019|Financial Planning|

Federal Deposit Insurance Corporation (FDIC): Safety and Security in the Banking Industry

The FDIC was created in 1933 to add stability to the failing banking industry. The concept was simple: provide guarantees for funds on deposits in member banks. Stability was necessary for the country to crawl itself out of the Great Depression. Since its inception, the FDIC and its guarantees have allowed the United States to prosper and gain confidence.

By |2020-04-14T00:04:41+00:00April 10th, 2019|Financial Planning, Investing|

Market Volatility: Safety Nets Are Available

A safety net can be important when things go bad Several noted economists and distinguished investors are indicating a bumpy ride ahead for the stock market, not only in America but worldwide. Billionaire investor Carl Icahn, recently offered caution on national news when he declared, “The public is walking into a trap again as they [...]

By |2020-04-17T18:13:30+00:00February 19th, 2019|Annuities, home-mid, Retirement Planning|

Annuities Vs Bank CDs: How Do They Compare?

Bank Saving Products or Insurance Company Annuities, which would you choose for your safe and secure money? Federal Reserve Vs. 10 Year US Treasury As consumers, we think of interest as interest. In fact, there are two different and distinct factors that separate banks and annuities when calculating interest on savings vehicles. Bank CD interest [...]

By |2020-04-13T18:27:47+00:00January 22nd, 2019|Annuities, Annuities 101|