I recently had a friend who quit his job after working there for almost 20 years. When I asked him why he said, “I had just gotten too comfortable.” Too comfortable?! Is there such a thing? After all, isn’t that what we’re all striving for? What’s wrong with being too comfortable? As I thought about [...]
My brain made me do it: How to avoid bad investment decisions.
by Joe Hearn on December 20, 2011 in Investing, Retirement, Risk
So far during 2011, the Dow Jones Industrial Average has had moves of 100 points or more on 97 trading days. That’s 23 more than during all of 2010 and the year isn’t even over yet. With so much volatility and uncertainty, it would be easy to panic and make decisions you’ll later regret. Unfortunately, your [...]
Anxious? Keep your focus on what you can control.
by Joe Hearn on August 11, 2011 in Asset Allocation, Debt, Retirement, Risk, Social Security
It’s understandable if you’re feeling a bit anxious. Not only was the U.S. credit rating just downgraded for the first time in history, but over the last few years we’ve had a housing bubble, a credit bubble, runaway government spending, soaring gas prices, a global recession, high unemployment, the risk of a U.S. debt default, [...]
How the U.S. debt downgrade will affect your retirement (and what to do about it).
by Joe Hearn on August 9, 2011 in Asset Allocation, Debt, Retirement, Risk
As I’m sure you’ve heard by now, S&P downgraded U.S. debt one notch last Friday from AAA to AA+. Aside from the short-term angst in the markets, how will the downgrade affect those of us planning and saving for retirement? Here are three likely consequences from the downgrade as well as steps you can take [...]
Annual retirement review checklist
by Joe Hearn on May 18, 2011 in Asset Allocation, Distribution Planning, Estate Planning, Insurance, Investing, Retirement, Risk
Retirement has a lot of moving parts and when you consider that it could last for thirty years or more, it should come as no surprise that it will have several distinct phases. Sixty-five will look different from seventy-five, which will look different than eighty-five. The world, your health, your finances, your responsibilities, and your [...]
FREE RETIREMENT TOOLKIT
New here? Start with these.
Markets
| S&P 500 | 1649.60 | ||
| NASDAQ | 3498.965 | ||
| Cboeinterestrate1 | 2.011 | ||
| Gold Dec 11 | 1561.50 | ||
| Crude Oil Jan 12 | 97.00 | ||
| Us Dollar Index F | 83.64 |








