Are Dispersion and Concentration in the Stock Market Too High?

U.S. large cap stocks, as measured by the S&P 500, delivered a solid performance in the first half of 2024. In January, the index eclipsed an all-time high, and in the five months that followed, it reached 31 more. Volatility has also been relatively subdued. In the first six months, there was only one instance when the index rose or fell by more than 2%…

By David H. Morgan

From talk given at Ormond Beach Presbyterian Church

The A, B, C’s and D of Stewardship

What is stewardship and what does it mean to you, to me, and OBPC?

I think they can be best explained by the A, B, C, and D’s of giving:

I. My Personal History: Left Atlanta in 2003-04, searched for a church home for 3, 4 years. I opted to finally decide on OBPC for a myriad of reasons,…

Legacy Planning Checklist

Legacy planning includes more than naming beneficiaries for the material things that you leave behind. It also includes documenting your wishes, in accordance with your values, for living life on your own terms. And it’s about planning ahead with your loved ones in mind.

It may seem like a daunting task, but it doesn’t have to happen all at once. You can start by having conversations with your family that will…

Florida Medicaid (SMMC-LTC) Income & Assets Limits for Nursing Homes & Long Term Care

From: www.medicaidplanningassistance.org

Florida Medicaid Long-Term Care Definition

Medicaid is a health care program for low-income individuals of any age. While there are various coverage groups, this page is focused on long-term care Medicaid eligibility for Florida senior residents (aged 65 and over). In addition to care services in nursing homes, adult family care homes (adult…

Bonds Take Center Stage

From: Amundi Asset Management

Short-term bonds may dominate cash in the next phase of monetary policy

• With yields on cash currently elevated, we appreciate why cash allocations have swelled.
• However, as the US Federal Reserve considers pivoting its stance, so too should investors.
• Against the interest rate risk inherent in most fixed income securities, investors should consider the reinvestment risk inherent in cash.
• Shifting exposure from cash to short-term bonds…

Got Questions About Medicare Hospice Services? Here Are Some Answers

From: www.forbes.com

Learning about services that Medicare covers, and their cost, is an important discussion topic for Medicare beneficiaries. However, there is one subject that rarely comes up: hospice, end-of-life care for the terminally ill.

Many studies have shown that earlier end-of-life care can have a positive impact: reduced administration of unnecessary medications, fewer hospital admissions…

Tax Explained to Kids

From: www.linkedin.com (Nicolas Boucher)

Do you know these 10 types of tax?

Here are the most simplified explanations to make you understand them:

1. Income Tax
If you earn $10 from selling lemonade and have to give $2 to your parents because they helped you set up the stand.

➡️ Companies make money, and they have to give a part of it to the government

2. Deferred Tax
You earn money today, but…

By Ted James

Retirement, a phase often associated with leisure, is increasingly becoming a time for educational rejuvenation. More retirees are recognizing the value of returning to academia, not just as a pastime, but as a means to enrich their later years. This article from Retirement & Estate Advisors & Professionals (REAP) sheds light on the multifaceted benefits of embracing education after retirement — from mental rejuvenation to new career paths — to illustrate…