Making a hard decision now is easier than you think.

There is nothing like the fear factor to motivate one to take action. I finally made an executive decision and purchased long term care insurance (LTCi). The possible need for long term care has weighed on my mind for years. If they had purchased policies, my mother, grandmothers, and grandfathers would have accessed them. Family health history should be one of the first considerations when pondering LTCi, and mine, unfortunately, is abysmal. As a fee-only financial planner, I have seen first-hand how a long term care event can decimate an otherwise healthy financial plan, and I am running scared.

Harnessing your deal hunting skills to score investment bargains

Ah, January! The month of sales. The shop windows are all advertising 60 and 70 percent off. I get daily emails filled with deals on everything from apparel to car parts. Who doesn’t love a sale? They can dramatically shift the value equation—getting more stuff for less money. We as Americans have become highly skilled at navigating the retail system to score big bargains. My husband came home from the grocery store the other day on a value high after a particularly successful hunt: he purchased Italian sausage that was not only on special by the manufacturer for 20% off, but the store was offering an additional 30% discount, and, because the sausage was close its expiration date, the manager tagged it with a $2 off at the register coupon. Wow! I felt like the store was going to pay him to take the sausage.

Lessons learned in an investment club can yield significant returns in profit, education, and fun.

Up 10.8% since inception! At a recent meeting the twelve members of the New Jersey based Athena Investment Club admired their portfolio returns over a glass of wine. The etching on their glasses read, “Athena Investment Club: Check Out Our Alpha!” In the three plus years since club formation, their portfolio’s risk adjusted returns have consistently outperformed the market. Was this a group of financial professionals? Wall Street executives? MFP Global employees?

4 Good Reasons to Take the Plunge Yourself.

1. Peace of Mind. Max Weinberg was determined not to be a burden to his children. He remembered well how difficult it was to raise and educate his three children while supporting first his own parents and then later his wife’s parents. The memory of that monthly panic still haunts him to this day. How will I ever pay the school bill? How will I make ends meet? Max didn’t want his own children to suffer his fate.