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Should I Pay Off My Mortgage Now?

Posted by on Aug 13, 2019 in Certified Financial Planner Boise ID, Certified Senior Advisor Boise ID, Estate Planning, Financial, Financial Advisor Boise ID, Financial Planners Boise ID, Financial Planning Consultant Boise ID, Financial Services Advisors Boise ID, Retirement | Comments Off on Should I Pay Off My Mortgage Now?

To Pay or Not to Pay – that is a dilemma facing many Baby Boomers today. As retirement is approaching, do you pay off the mortgage or not? You are 3, 5, 10 years away from retirement. And you have 5, 10, 15 years left on your mortgage. Do you pay the mortgage off early? If so, which bucket of money do you use? In interest of full disclosure, this financial advisor prefers retirees to be debt free at retirement.  Less cash flow is required for monthly expenses which is less strain on investments. In a market downturn, retirees sleep better in...

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How Much Life Insurance do You Need

Posted by on Aug 6, 2019 in Certified Financial Planner Boise ID, Certified Senior Advisor Boise ID, Estate Planning, Financial, Financial Advisor Boise ID, Financial Planner Boise ID, Financial Planners Boise ID, Financial Planning Consultant Boise ID, Financial Services Advisors Boise ID, Retirement | Comments Off on How Much Life Insurance do You Need

It is an important questions when considering life insurance: “How Much Life Insurance do I need?”  Watch the video and get help to see how life insurance needs today may be different tomorrow. This video is by Ohio National Financial...

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Are you Living Your Life on Purpose?

Posted by on Jul 15, 2019 in Certified Financial Planner Boise ID, Certified Senior Advisor Boise ID, Estate Planning, Financial, Financial Advisor Boise ID, Financial Planner Boise ID, Financial Planners Boise ID, Financial Planning Consultant Boise ID, Financial Services Advisors Boise ID, Health, Live Life to the Fullest | Comments Off on Are you Living Your Life on Purpose?

Are you Living Your Life on Purpose?   Once a year, I take a few moments to evaluate ‘How am I doing in life?’ I look at each area of my life – relationship, health, financial, spiritual, family and pleasure. I score each area on my level of satisfaction on a scale of 1 to 10. I envision these categories in a wheel –     As I score them, some are satisfactory – 8 or above. Others are moderate, 6-8. Some stink and are on the low end like 3-4. When I envision my life in a wheel, I can see the areas I am flat.  And like a wheel on a car or...

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“Wormable” Microsoft flaw: What you need to do

Posted by on Jul 9, 2019 in Certified Financial Planner Boise ID, Cyber Security, Financial Planner Boise ID | Comments Off on “Wormable” Microsoft flaw: What you need to do

“Wormable” Microsoft flaw: What you need to do

“Wormable” Microsoft flaw: What you need to do   Microsoft has announced a major security flaw in its Windows software that rivals the WannaCry worm that infected thousands of devices in 2017. Microsoft warns that this vulnerability is especially dangerous because it requires no user interaction. In other words, once one device is infected it can quickly spread to another vulnerable computer on its own. While there is no evidence that the flaw has been exploited at this time, Microsoft believes that it is “highly likely” that it will be. This...

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How Will You Practice Your “ART” in Retirement?

Posted by on Jun 25, 2019 in Certified Financial Planner Boise ID, Certified Senior Advisor Boise ID, Financial Advisor Boise ID, Financial Planner Boise ID, Financial Planners Boise ID, Financial Planning Consultant Boise ID, Financial Services Advisors Boise ID, Retirement | Comments Off on How Will You Practice Your “ART” in Retirement?

How Will You Practice Your “ART” in Retirement? A hammock on the beach. Your favorite chair in the living room. Waking up when you feel like it. A blank calendar. Doing what you want when you want. Doing nothing if that’s how you feel that day. After a lifetime of working 40 hours every week, this scenario sure sounds appealing to many soon-to-be retirees. But the surprising reality is that a life of unstructured leisure can create stress, strain spousal relationships, and lead to feelings of uselessness and depression. When today’s...

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China and Your Checkbook

Posted by on Jun 4, 2019 in Certified Financial Planner Boise ID, Certified Senior Advisor Boise ID, Current Events, Financial, Financial Advisor Boise ID, Financial Planner Boise ID, Financial Planners Boise ID, Financial Planning Consultant Boise ID, Financial Services Advisors Boise ID | Comments Off on China and Your Checkbook

China and Your Checkbook   Is the trade war with China going to impact your pocket book? Depends on what you are buying. If you are building a home or remodeling, you will see increased prices over last year for doors and crown molding. Products packaged in aluminum cans have seen cost increases. Questions is how much is absorbed by the manufacturer and how much is passed on to consumers. Farmers are feeling a direct impact of trade wars which will have a ripple effect. We are about to enter a second round of tariffs applied to Chinese...

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4 Ways to Feel More at Home in Your Home

Posted by on May 14, 2019 in Certified Financial Planner Boise ID, Certified Senior Advisor Boise ID, Financial Advisor Boise ID, Financial Planner Boise ID, Financial Planners Boise ID, Financial Planning Consultant Boise ID, Financial Services Advisors Boise ID, Live Life to the Fullest | Comments Off on 4 Ways to Feel More at Home in Your Home

4 Ways to Feel More “At Home” in Your Home Do you feel “at home” in your home? Your home is often the biggest financial purchase you’ll ever make. But is it also giving you the emotional payoffs you hope for? Your home is an important part of your financial plan because we have to consider your rent or mortgage, utility bills, maintenance, and taxes as part of your monthly and long-term financial picture. But to get the best life possible with the money you have, your home should also be a safe place that makes you feel...

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Do’s and Don’t’s of Bailing Out Adult Children

Posted by on Apr 23, 2019 in Certified Financial Planner Boise ID, Certified Senior Advisor Boise ID, Financial, Financial Advisor Boise ID, Financial Planner Boise ID, Financial Planners Boise ID, Financial Planning Consultant Boise ID, Financial Services Advisors Boise ID, Live Life to the Fullest | Comments Off on Do’s and Don’t’s of Bailing Out Adult Children

Do’s and Don’t’s of Bailing Out Adult Children

Do’s and Don’t’s of Bailing Out Adult Children   75% of parents supported adult children with living expenses or paying their debt reports CreditCards.com. That is money, you may not see again. That is money you may need for your own retirement. Will the adult child you are bailing out, help you in your retirement years? Before you write a check: DO ask specifically what the money is for. There is a delicate balance between not embarrassing your child over their financial ‘crisis’ and cutting off communication when they encounter other...

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Practical Tips for Family Caregiving, part 2

Posted by on Apr 9, 2019 in Certified Senior Advisor Boise ID, Financial, Financial Planner Boise ID, Health, Retirement | Comments Off on Practical Tips for Family Caregiving, part 2

Practical Tips for Family Caregiving, part 2 Are you currently a caregiver? Do you know somebody who is? Caregiving can be an all consuming responsibility – especially if your loved one is battling with dementia. Be careful not to let your ‘new job’ get you isolated. It is important for your loved one that you take care of yourself in this journey of caregiving. You don’t know if you will be needed for a few months or a few years. Take care of yourself from the beginning. Click here for the resources to support groups for caregivers from Part...

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Practical Tips for Family Caregiving

Posted by on Apr 2, 2019 in Certified Financial Planner Boise ID, Certified Senior Advisor Boise ID, Financial, Financial Advisor Boise ID, Financial Planner Boise ID, Financial Planners Boise ID, Financial Planning Consultant Boise ID, Financial Services Advisors Boise ID, Health, Retirement | Comments Off on Practical Tips for Family Caregiving

Practical Tips for Family Caregiving   Former first lady Rosalyn Carter said there are only 4 kinds of people in the world: Those who have been caregivers Those who are currently caregivers Those who will be caregivers And those who will need caregivers. You are likely to have the opportunity of being a caregiver for an elderly relative such as parents or for a spouse. Many caregivers begin with the best of intentions to do everything themselves. After all, they are family.    It may not be long before you are approaching burnout. Caregiving...

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