Monthly Archives: January 2015

Barely a month into the new year, one of my market predictions has born out so far – lot’s 0f market volatility! It certainly has been a daily roller coaster ride. However, it remains to be seen if my much bolder prediction of maybe an 8% rise in the S&P 500 might still work out. Whether it does or not… will NOT effect my clients however. You might be interested to know that the US stock market has now had 6 years of positive gains. (2009-2014). However, … Continue reading

Do you own a cash value life insurance policy that you bought a number of years ago? Perhaps someone you care about does? Whether it is paid-up or not, you can usually benefit from a life insurance “audit” to make sure that your policy is not going to lapse… before you do! Or maybe you’d like to have a new one with a BIGGER death benefit, more guarantees or a long-term care (LTC) benefit added at no out-of-pocket cost. There are lots of potential benefits for you and your … Continue reading

The market didn’t give us the traditional end of year “Santa Clause” rally and 2015 hasn’t exactly started out with a bang (the worst start since 2008). About 3 weeks ago, I sent out an email entitled something like “Is the market REALLY at all time highs?” Basically what I wrote and showed with an attached chart is that only the S&P 500, DOW and Nasdaq really had a great 2014. These indexes are dominated by a few mega cap … Continue reading