Four reasons you need a Roth IRA

In our last post we talked about the importance of saving enough in your employer sponsored retirement plan and cautioned that even if you were contributing your full match, it might not be enough. The vast majority of us will need additional savings and a good place to accumulate that is in a Roth IRA. … | Read More »

There’s no free lunch (except in retirement plans)

We’ve all heard the saying, “There ain’t no such thing as a free lunch.”  It’s used to remind us that there is a cost to everything even, or especially, if it is hidden from view.  The phrase actually comes from the once-common practice of saloon owners advertising a “free lunch” for patrons who would purchase… | Read More »

The changing world of rotary phones and retirement

Time was when a pension and Social Security would provide most people all they needed for a secure retirement.  But, back then, people were content with working the same job all their lives, watching just three TV stations, and using a rotary phone with no texting or video. People now have an infinite number of… | Read More »

The Da Vinci code for crafting a legacy

According to the Snapple Fact I found under the cap of my peach iced tea yesterday, it took Leonardo da Vinci 12 years to paint the lips of Mona Lisa. Of course, Snapple Facts occasionally require further research. For instance, if, as many historians believe, da Vinci painted the Mona Lisa between 1503 and 1506,… | Read More »

Happy high school graduation, sweet friend

 I can blink and remember so clearly the sweet, red-headed little boy who spread his Lego sets all over my living room floor, and scored Brewer games with the diligence of a professional statistician.  I look up (way up) at him now, but still see the little guy who wrote me a poem more than… | Read More »