If you are not a baby boomer in your late 60's, then you should probably be concerned about saving for your retirement. It is almost a sure thing that there will be little Social Security for you, even though you have paid thousands of dollars into it. You can probably consider it a hidden tax. The problem is that too many people are living only for today and are not concerned about tomorrow. There is an Aseops Fable known as The Grasshopper...more
Most investors incorrectly think of "risk" as the possibility that the market value of a financial asset might fall below the amount that he or she has invested in the asset. OMG, how could this be happening!Think about it. The harboring of these misconceptions (that lower market price = loss or bad and/or that higher market price = profit or good) is the greatest risk creator of all. It invariably causes inappropriate actions within the large...more
Most people enter the investment arena thinking that "Risk" is a board game they played in college. Today, I would guess that the majority of investors have never owned an individual share of common stock or a Municipal Bond. The popularity of investment products has heightened the risk for all investors and has indirectly led to many of the policy errors that threaten both capitalism and the economic fabric of America. Individual equity market prices are increasingly and inappropriately influenced by decision-making based only on the derivatives that contain them.Few people consider the investment risk associated with public policy decisions. Product investors and derivative speculators participate in less personal markets, where it is more difficult to connect the dots between their personal financial interests and their political alignments. So in a very real sense, investors have to deal with public policy risk every bit as much as they need to analyze the risks associated with the securities and other financial products they hold in their portfolios --- complicated, but it is doable.Apart from these important peripheral considerations, the risk of loss in any equity investment...more
When approaching the twilight of a person's life, they should not have to worry about income. Unfortunately, most people's retirement income is not adequate enough to cover their costs.Investment properties are a great way to plan supplemental income for a retirement. During a person's life time while they work, buying property and either renting...more
There is a common assumption that criminals are those who commit heinous crimes and are not suitable to fit into society's norms. Therefore, if you or any of your family members are arrested or are facing a criminal charge, it's an issue of serious concern and requires immediate attention. A criminal offense has the power to cause...more
The third time might be a charm for Brett Favre. The 40-year-old quarterback has given the Minnesota Vikings a scare, going public with his contemplation of retirement from the National Football League. While nothing has been settled yet, Favre announced he would retire if his surgically repaired ankle doesn't fully heal before the regular season, selling himself just short of 20 years at the pro level. Favre's announcement to possibly retire is his third of the same kind in three years, but this time with an ankle injury lingering the future Hall of Famer could actually be done for good.Though Favre Retirement 3.0 seems more realistic this year than it was last year when he "retired" from the New York Jets and also the year before when he "retired" from the Green Bay Packers, most Vikings fans still say they'll only believe the news when Favre isn't suited up for the Vikes' first game of the season this year.Favre, a second-round pick in the 1991 NFL Draft for the Atlanta Falcons, became the face of the Green Bay Packers franchise in the '90s and '00s, playing for the Wisconsin team from 1992, when he was traded by the Falcons, until 2007, when he announced his retirement from the...more
In a Divorce proceeding, the Court has the power to justly and equitably award property. Therefore, it is extremely important to note that the Court does not automatically apportion property division at 50% to each party. In many cases, the...more
Pennsylvania residents, if youre envisioning your retirement as a place full of non-stop activities, and free from home maintenance and other household chores, there are active adult communities in PA that will be an excellent match for your needs.If...more
Can I Get a DWI/DUI Even if I Wasn't Driving?Can I Get a DUI/DWI even if I wasn't driving? Unfortunately, yes, you can get a DUI even if you weren't driving the car. A common DUI question is whether a person can be charged or convicted of a DUI...more
Driving under an Influence is a serious traffic offense and in most cases, can lead to an arrest. But all DUI charges do not have to end with a conviction, and you can get the charges suspended with the right kind of representation. In counties like...more
When going in for a lawyer, you would want to pick only the very best. Hence, in this way, you can be assured that you will get legal representation that is very hard to beat and can therefore be assured of a somewhat reduced punishment as a result...more
DUI lawyers are not rare to find these days, but why do you have to hire them at all? There are times when you know you are not guilty of an offense and you think you can work out things for yourself. Here are reasons that will let you know why you...more