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Little girl with a newspaper boy's bicycle with the "Long Island Press" bag

Retirees Nemesis: Inflation

I had a newspaper delivery route when I was 10 years old delivering the “Long Island Press” – a now defunct newspaper. I had a sting ray bike with baseball cards in the spokes and because I delivered everyday without fail, the kickstand wore out. So as I pedaled, my pedal would constantly hit the […]

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Celebrate Your Financial Achievements

Everybody loves to celebrate a milestone, whether it is a big birthday, a wedding or a graduation.  The emotions of the day are joyous and the ability to relish the wonderful moment is shared by many. This summer had a number of celebrations for our family.  A new beginning for our oldest daughter as she […]

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A water well

How to Survive This and Future Droughts

We are once again in a rain drought in New Jersey – an annual event. Thankfully, we have not had a “drought” in the stock market for several years. For each of these occurrences, planning is needed. This helps investors be prepared rather than have to repair their portfolios. As retirement income planners, one of our […]

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Julianne and her baby dolls

What Matters to You?

Determining what matters and will matter most to you at different stages of your life are crucial to developing a financial plan.  Not everyone has the same opinion or values the same things.  The general items may be similar, but the level of importance will vary from person to person. When my girls were babies, they each had […]

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Come On Get Happy!

Come On Get Happy!

My favorite cartoon character when I was young was Snoopy. So much so that my bedroom was filled with Snoopy. Snoopy dolls, Snoopy quotes and even Snoopy curtains. I even learned how to draw Snoopy on top of his dog house and spent many hours in art class perfecting this skill. And my favorite quotes […]

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foxy lady

5 Ways to Build Your Wealth

Let’s start at the very beginning…..  A very good place to start…..  When you read you begin with A- B- C when you sing you begin with Do Re Mi……   The Sound of Music Beginning can be difficult especially if you feel like the task at hand is confusing. But beginning to build your […]

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FRN - US Dollar Purchasing Power

Retirement, Risk and Return

If investors could take no risk and still maintain the lifestyle in retirement, why wouldn’t all investors just invest in T-Bills?   David Booth, CEO of Dimensional Fund Advisors (DFA) That is because investors understand the risk of purchasing power. The Risk of Purchasing Power deals with the declining value that money has – or […]

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Coupon Clipping.

Spending Too Much? You’re Not Alone

There is a show on television called “Extreme Couponing” with the concept that if you clip coupons you can save an extreme amount of money.  When I say extreme, I mean almost free.  Most of the “couponers” have shelves full of food and groceries in the garage or pantry with savings amounting to thousands of […]

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Department of the Treasury Seal

5 Things to Help Detect an IRS Scam Phone Call

The phones rings and regardless of what you are doing, you are compelled to answer it. In the last few weeks, the calls have primarily been election calls which have been extremely annoying. However, it could be worse. There have been more incidents of aggressive telephone scams where the caller claims to be from the […]

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Guidance for Students (& Everyone)

In the 1970s and 80s, Borden, Inc. was a $5 billion conglomerate with headquarters in New York City. Eugene (Gene) Sullivan, a great friend to my parents and my family, served as Chairman, and Joe Saggese, was a close colleague. (Joe Saggese’s son, Ken, is a longtime close friend of Maureen and me). While Gene was Chairman of […]

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