Should I Refinance My Mortgage?

From: www.daveramsey.com

“Lock in a lower rate!”

“Refinance now and save!”

Everywhere you turn right now, there’s a new wave of hype about mortgage refinancing. That’s all thanks to the Federal Reserve dropping interest rates by half a percentage point at the beginning of March 2020 and then dropping again mid-month to between 0–0.25%.^1,2 Zero percent is pretty attention grabbing, but keep in mind that…

Message from REAP • April 1, 2020

From: David H. Morgan & REAP

Dear Valued Clients,

March of 2020 will go down in history as one of the most chaotic months in modern national history. After an optimistic start to the year, the COVID-19 virus, an oil price war, and an old-fashioned Wall Street Panic took their toll on global markets. Congress has announced a fiscal stimulus package of more than $2 Trillion to…

By Jennifer Frost

It has been projected that, by 2050, there will be an excess of 83 million people over the age of 65 in the USA, which is more than double the number of how many there are now. Of the current senior population, as much as 90% plan to remain in their own homes for the next 10 years, while only 65% of seniors between the ages of 60…

Black Swan Events: Short-term Crisis, Long-term Opportunity

From: visualcapitalist.com

Few investors could have predicted that a viral outbreak would end the longest-running bull market in U.S. history. Now, the COVID-19 pandemic has pushed stocks far into bear market territory. From its peak on February 19th, the S&P 500 has fallen almost 30%.

While this volatility can cause investors to panic, it’s helpful to keep a long-term perspective….

Visualizing the History of Pandemics

From: visualcapitalist.com

The History of Pandemics

Pan·dem·ic /panˈdemik/ (of a disease) prevalent over a whole country or the world.

As humans have spread across the world, so have infectious diseases. Even in this modern era, outbreaks are nearly constant, though not every outbreak reaches pandemic level as the Novel Coronavirus (COVID-19) has.

Today’s visualization outlines some of history’s most deadly pandemics, from the Antonine Plague to the current…

Remember the Last Global Pandemic? Probably Not

From: www.bloomberg.com

In 2009, a new strain of H1N1 influenza emerged. It did not cause anywhere near the disruption that Covid-19 has, and for good reason.

In late March 2009, two kids living more than 100 miles apart in Southern California came down with the flu. By mid-April, their illnesses had been diagnosed as being caused by a new…

By Jennifer Frost

With Americans spending on average just under 11 hours per week in their car, you would be wise to consider whether your current car is as ready for retirement as you might be. Whether or not you choose to keep a car will, of course, depend largely on how much you are able to access your friends, family, leisure activities and day to day life without one. Maintaining…

Afraid to Retire? What to Do on Day One

From: nextavenue.org

How the 3 C’s can ease your way into a fulfilling retirement

You’re standing alone on the edge of a cliff, staring off into a vast unknown. Is this you, thinking about retirement?

Or as one man told me during my research into the new retirement: “So I wake up in the morning, go to the fitness club and have…

By Teresa Greenhill

Losing a spouse uproots your life in more ways than one. Besides the heartache of loss and the stress of planning a funeral, the death of a partner carries some pretty heavy financial burdens—many of which need to be settled sooner rather than later. People of any age can have a hard time facing the mountain of financial decisions that need to be made while grieving, and seniors are no exception. Fortunately,…