Money Matters

I posted this 4 years ago! Given current market trends, I think it's a good time for a reminder that this strategy may present a peace-of-mind alternative or supplement to your 401k/mutual funds.

Stop the bleeding! Lock in your gains today and never experience any losses regardless how the market turns. Go green! http://www.bbc.com/news/business-35362397

It's complicated! But miraculous!

The Derivatives that Power Index Annuities FIA owners can pick from an array of choices as cryptic as those on a roulette table. But if they don't understand options, how can they evaluate these safe but esoteric insurance products?

As we've been saying:

https://amp.kiplinger.com/article/retirement/T003-C032-S014-seeking-guaranteed-lifetime-income-join-the-club.html

Looking for Guaranteed Lifetime Income? Join the Club In case you didn't know, there is such a thing as a lifetime income club. Of course, it goes by another name: annuities.

What if there's a way to participate with the gains when the market is up, but be shielded against losses? Ask me how!

Dow drops 800 points, marking worst day for stock market this year Global economy data apparently triggered drop in Dow Jones Industrial Average.

Get your facts straight!

6 Annuity Misconceptions You Need To Know Here are 6 Annuity Misconceptions You Should Know About When it comes to Your Money and Retirement Savings   Misconception #1: Annuities are very expensive to own. Not all annuities are created equal. There is one particular type of annuity that is more expensive than others. Variable annuities hav...

https://www.forbes.com/sites/davidrae/2018/06/01/tax-free-retirement-income/

5 Legal Ways To Get Tax-Free Income For Retirement Dreaming of a tax free retirement? Here are 5 ways to get tax free income in retirement. Some you may know, some you may not. While paying no taxes in retirement is not realistic, with a little guidance, you can increase you tax free income in retirement and drop you taxes to next to nothing.

Maryland General Assembly approves 50 percent renewable energy target for 2030 Maryland lawmakers have approved a dramatic investment in renewable energy in the final hours of the 2019 General Assembly session, passing a measure mandating that half the state’s electricity supply come from renewable sources by 2030.

7 Little-Known "Discounts" Seniors Get Only if They Know [Tap Here] 🍔 7 Biggest Discounts and Benefits Many Seniors Forget to Claim Everyone knows about senior discounts at restaurants and retailers, but many overlook some of the greatest benefits and programs available just for seniors. Unfortunately many people 55+ are missing out entirely, simply because they don't...

That's the sad reality.

America's reluctant septuagenarian workforce U.S. companies have been eliminating traditional pensions for decades, but many Americans can't afford to retire on Social Security and savings alone

Please follow our new page! There is no better return on investment than going solar.

Rainer Shine Solar Rainer Shine Solar is here to consult and help you with all your residential and commercial solar ne

While aesthetically pleasing and technologically sophisticated, Tesla's new solar roof may not be the wisest financial choice for most homeowners.

The Actual Cost of the Tesla Solar Roof With Tesla's solar roof now available, it's important you get the real data behind cost and efficiency. Read more for the real numbers on Tesla's solar roof.

The utility companies are telling you: Go solar now or it's gonna cost you!

Solar Power Is Now the Cheapest Form of Energy in Almost 60 Countries It's official: solar became the cheapest source of new energy in lower-income countries this year, giving both companies and governments alike another reason to ditch coal and gas for renewables.

How to get Uncle Sam to help you go green.

What is the Federal Tax Credit for Solar Energy? The Federal Investment Tax Credit (ITC) for solar energy is perhaps the best biggest incentive to go solar right now. Quite simply, you get a 30% tax credit ...

We always recommend fixed or indexed retirement vehicles eliminating any risk of loss. Your hard earned savings should not be taken to a casino.

The People Who Evangelized for the 401(k) Now Think It’s Made Retirement Much Tougher We’re not even a week into 2017, and we already have another reason to feel gloomy about our futures. The Wall Street Journal’s Timothy Martin tracked ...

One of the impacts of the Trump Presidency and Republican Congress is likely going to be a rollback of clean energy projects and a possible rescission of the 30% Income Tax Credit that was recently extended for several more years. Another incentive to go solar before the end of 2016 and secure thousands of dollars in your pocket before the program is gone!
http://www.pv-tech.org/news/trump-has-killed-the-clean-power-plan-itc-next-on-chopping-block-say-financ

Trump will kill Clean Power Plan, solar ITC next on chopping block, say finance experts The Clean Power Plan has been killed by Republicans and is now pronounced dead, a group of finance experts have said, who also agree the ITC extension could be next.

Another reason why going solar is one of the best investments available for homeowners and businesses. Own your personal environmentally friendly power plant, eliminate your electricity bill and have Uncle Sam reward you for it.

Why the Solar Tax Credit Extension is a Big Deal | EnergySage  Wondering how the extension of the solar tax credit will impact your solar decision? EnergySage has everything you need to know about the ITC.

Listening to NPR yesterday I felt like I was listening to myself speaking with a client. This is exactly what we discuss when we sit down with them. http://www.npr.org/2016/04/26/475759586/how-to-not-run-out-of-money-in-retirement

How To Not Run Out Of Money In Retirement You've saved up enough to quit working. Congrats! But here's a new puzzle: figuring out how to enjoy retirement without blowing your savings too soon, when you don't know if you'll live 5 years or 25.

Women and Retirement | Gemlife Financial Women are great at multi-tasking. But many drop the ball when preparing for retirement.

Prudential - Time To Up It See how contributing just a percentage or two more to your workplace retirement plan sooner rather than later can add up to a lot more in retirement.

Are you aware of the new California Earned Income Tax Credit? Check it out!

www.ftb.ca.gov

Stop the bleeding! Lock in your gains today and never experience any losses regardless how the market turns. Go green! http://www.bbc.com/news/business-35362397

I've been hearing a lot more doomsday predictions by a number of respectable economists lately, not only by those who make a living on merchandising chaos and fear. Truth is nobody knows for sure how the markets will turn. But as the saying goes "hope for the best, but prepare for the worst." If you have a large portion of your retirement funds exposed to market risk, such as in mutual funds (the majority of 401k's and IRA's), and you cannot afford a 70℅ hit (who could???), then now is the time to consider fixed or indexed savings solutions, providing potential market like returns, but downside protection against any losses, the type of savings vehicles we at Gemlife have been educating our clients about for years. It's times like these when our clients appreciate us the most. When most investors and soon-to-be or current retirees are fearing for their lifetime savings our clients can sleep at night and so can we. Contact me to find out how to safeguard your hard earned savings against market volatility.

Analyst: U.S. Stocks Will Fall 75% Amid Global Deflationary Crisis It would be worse than

The power of 1℅
http://raceforretirement.com/?utm_medium=socialmedia&utm_source=facebook&utm_content=link&utm_campaign=0116q1_byc

Fed interest rates increased for first time in nearly a decade Fed interest rates raised on Wednesday for the first time in nearly a decade.

Dave Ramsey dispenses a lot of common sense financial tips. But then there are things that are just a bit over his head. http://www.lifehealthpro.com/tag/seriously-dave

Seriously Dave | LifeHealthPro The online destination for life & health insurance advisors and professionals offering insurance news, sales ideas, insurance magazine content and more.

Why 2 Percent Is the New 4 Percent for Investors In today's low-return environment, retirees can't safely take 4 percent annually from their portfolios.

We knew it was coming: with the implementation of the updated mortality tables - people are living years longer on average - annuity payouts are being reduced. If you have a lump sum in a 401k or IRA, and you're worried about outliving it, NOW is the time to convert your savings into a guaranteed lifetime income and lock in the payments before they're adjusted. The deadline is November 30th! http://www.thinkadvisor.com/2015/02/09/were-living-longer-get-ready-to-pay-for-it

While "actuarial mortality tables" may not sound like the most exciting subjects to most, the effects of the upcoming changes could cost you 10s of thousands in your retirement if you don't plan right. In short, people live longer and guaranteed retirement payouts are therefore going to be reduced. These changes will go into effect in early 2016, so if you want to lock in a guaranteed income for life, now is the time.

We’re Living Longer — Get Ready to Pay for It

Don't count on your company's pension. Everything you worked for could be gone tomorrow. Have a Plan B in place. Ask me about a guaranteed income for life plan.

J.C. Penney cuts pension obligation by $5 billion By LisaBeilfuss J.C. Penney Co. said Friday it would cut its pension obligation by $5 billion, or up to about a third, through a lump-sum offer to participants in addition to a deal with Prudential. The Texas-based retailer has struggled with large pension costs that have coupled with dwindling sale…