Clarity Coaching Tips

Here you will find many tidbits of coaching and financial information that often needs to be clarified for most American investors. Some of the information is very basic and in the form of a current market update. Some of the information is timely topics, based on current social political and economic climate. Some of these are strategies, ideas, and concepts that we have picked up through the years and implemented in our practice. Basically a soup to nuts area of information on all things financial.

 

Check out our Clarity Coaching Video Clips and the “It’s Your Money” podcasts for more tidbits that might pique your interest.

Mortgage Acceleration Plans

Most homeowners have the misconception that the wisest method to accelerate the pay-off of their home is to simply pay extra principal payments on their mortgages. Other homeowners are lured into thinking that bi-weekly mortgage payment plans are the answer. Still other homeowners utilize a 15-year mortgage rather than a 30-year mortgage. In actuality, none of these methods usually prove to be the wisest method to accomplish a “free and clear” home.

You can accumulate sufficient cash in a conservative tax-deferred mortgage acceleration plan to pay off a home just as soon or sooner than utilizing the methods described above. In addition, you will have the following advantages:

Savings Plan…Can You Start With A Penny?

State College, PA – If given the choice between receiving a lump sum of $1 million or a penny doubled for 30 days, I would choose the penny doubled. While […]

Large US Companies’ Cautionary Tale

State College, PA – Large growth companies have been the top performing asset class for the last several years starting back in 2014. They have been better than small and […]

COVID vs. Capitalism

Lewisburg, PA – COVID crisis! Is it the end of life as we known it? Is there really going to be a ”new normal” moving forward? My guess would be […]

Corona Virus and Modern Financial Industry

State College, PA – They say that imitation is the sincerest form of flattery. As I look back at 20 years in the business, I see a fingerprint on the […]

Do-It-Yourself Investing

State College, PA – It seems in the last few years, there has been a strong push in the financial arena encouraging people to “Do-It-Yourself”. The idea that with technology […]

Burning Cash for a Car?

Lewisburg, PA – The total amount of the current US auto loan debt level has surpassed $1trillion and is currently $1.092trillion! Some believe that this, along with student debt, is […]

Stock Picking: Confident Assertion or Financial Folly

Have you ever personally experienced a Confident Assertion within yourself or while observing others? I think it’s interesting in the area finance, how many Confident Assertions are made about the […]

The Real Cost of Safe Money

Altoona, PA – A fellow Investor Coach shared a story about a Senior Citizen on a radio talk show the other day, lamenting about the ultra-low CD rates the banks […]

Municipal Bond? Safe or Sham?

State College, PA – It has happened again!  Investors depending on municipal bonds for a secure retirement should be concerned.  For the second time in three years, the Security and […]

From My Daily Journal

A trend we have noticed among baby boomers that we have recently coached up about global market returns is a lot of people exhibit concern and worried body language. When […]

A Broken Record

The more I study my industry, the more I’m noticing that the news of pessimism, fear, and greed, are always in cycle and at play. The more I identify these […]

Do Not Give Up

For those of you that know me, you know that I am an eternal proactive optimist, balanced with a dose of realism, and a sprinkle of discernment. I have always […]

College Potential Not Promise

I was reading an article recently talking about reinventing college planning. This newly compiled data offers some interesting talking points or conversational topics. It’s estimated that by 2020, 65% of […]

Income – Reverse Engineerin​g

A recent article talked about how a multiplier of eight times your income is the approximate size of the nest egg one would need in order to retire comfortably. In […]