You may reach me via email:
or the voicemail of death (I may not get to your call):
Ash's favorite wedding pic
Cheat Sheet Q & A:
Recently I was told about Fixed Index Annuities and that the account would be protected from market losses and I could benefit from market gains. I don’t have any knowledge about this product and have been told to be very careful with Annuities.
My 401k plan is still with my former employer. Would it be smart or not smart of me to put my 401k plan funds into an
Bottom Line: First the disclaimer. Any personal financial plan should be crafted with the assistance of a financial advisor. First I’ll lay the ground work to help you consider your options.
So is it a good idea? That depends on your preferences and needs. If the income that an annuity provides to you is what you need for your retirement purposes and you like the relative safety, it may be a good option for you. On the other hand consider:
It’s for that reason that I personally don’t prefer annuities. The average rate of return in the stock market is about 8.5% per year. So the annuity company rides out the ups and downs in the market but is able to earn a nice profit on average off of your money in exchange for some level of protection. I’d prefer to build a portfolio of great income producing companies and live off of the income of that portfolio (which is what the annuity company is doing for the most part). But again – there is a trade off and it’s up to you as to if the trade off works for you and your long term needs.
If you have a topic or question you’d like me to address email me: firstname.lastname@example.org
Bottom Line: Mergermarket has released its
A few key findings include:
So it’s clear that businesses are wanting to expand and in many cases move into our state. We know that this M&A activity is almost all positive (vs. the distressed M&A activity that often will lead to layoffs) because
30% of employers will now drop health care coverage:
Bottom Line: Aon Hewitt has released a new survey regarding the future of healthcare coverage options that will be offered by employers. What they found is…
That the highest number to date. Just over a year ago that number stood at 9%. Earlier this year the number was 17% and is now up to 30%. As more companies become educated about the cost implications of ACA it’s likely that the number will continue to climb…
Bottom Line: Remember how the President and many in his party suggested that we had to raise the debt ceiling in order to maintain the confidence of our largest creditor,
After those comments a Chinese credit rating agency downgraded our debt. So surely our President is concerned right? Surely this is headline news with mainstream media outlets right?
Here’s the reality. One day we’ll have a balanced budget in this country. The question is if the terms will be dictated to us by our creditors or if we’ll do the responsible thing and come to terms on a balanced budget ourselves.
Ok - now go ahead and buy your Windows 8 based computer:
Bottom Line: The Windows 8.1 update is now out of beta and ready for all Windows 8 ready
computers. It’s a dramatic update over the unpopular Windows 8 platform. Windows 8.1 brings
back the traditional feel of a Windows OS that original Windows 8 lacked. So if you’d been
waiting for the update or if you had been on the fence about what type of a computer to buy feel
free with your new Windows 8.1 computer. It’s a solid OS.
Businesses have started opting for Apple over Android devices:
Bottom Line: Apple’s business market share is exploding. Over the most recent quarter:
That’s a huge statement. The app development also suggests it’s not a short term trend.
The economy wasn't hurt nearly as bad as S&P would suggest:
Bottom Line: S&P produced a report suggesting that the partial Government shutdown significantly hurt the economy. There findings suggested:
They’re overstating the situation & here’s why. The assumption is that the disruption led to people not spending money in non-affected aspects of the economy. For example if you were taking a vacation to a national park would you just decide to not spend that money and not take a vacation at all? The reality is that almost all disruption either occurred in other aspects of the economy or will over the next couple of weeks as people who delayed spending pull the trigger. I’d be surprised if the economy was impacted by more than .1%.
Where the hackers are located:
Bottom Line: There is a new top country for hacking activity. No longer is
Hacktivist, now it’s
Clearly there’s a big drop-off after the first two. It’s worth noting that