Like in school, investors should get rapped on the knuckles for not keeping their eyes on their own portfolios. But investors are sensitive to the “other” guy. Investors hate missing the boat. Nothing irks them more. They’re fine hearing that someone else is doing worse. But when someone else is smiling carefree and yappin’ away […]
Investing
When Should You Take Social Security?
When should you take Social Security? It depends. That’s a question Your Survival Guy is asked frequently. The answer is personal. It’s been my experience that talking with a local Social Security Administration representative is helpful (you can find your local SSA office here). You are the best advocate for what your income needs are […]
July in Newport Is for Rosé
There’s something quite inviting overlooking the water with a cool glass of rosé on a warm July night in Newport. Cheers! In The Wall Street Journal, Lettie Teague discusses the declining sales of rosé but the sustained popularity of certain bottles. She writes: ARE WE in the middle of rosé malaise? According to the retailers I talked […]
Should You Convert to a Roth IRA?
I want you to read “How to Leave Grandkids Your Retirement Savings—and Not a Huge Tax Bill” by Ashlea Ebeling from The Wall Street Journal below. Roth IRA conversions are a most personal decision. She writes: It is becoming harder for older Americans to leave retirement savings to their grandchildren without sticking them with a […]
Expect Your Advisor to Fight Tooth and Nail for You
When Your Survival Guy sees major financial institutions asking how they’re doing (in the form of a questionnaire), it makes me think their complaint box overfloweth. Service is key in times like these. It’s my belief investors want their money fought for tooth and nail, not fighting political ESG and DEI wars. Investing Mistakes to […]
Service and History Count More than Ever
In an industry where service and history count more than ever, allow me to point you to this timeless piece by my father-in-law Richard C. Young. I started in the institutional research and trading investment business at Model Roland & Co. on Federal St. in Boston in August 1971. Just up the street from Model […]
Investing Mistakes to Avoid: #5 History
When Becky and I were married 25 years ago, we were 26 years old. If you add up our ages, we had 52 years of life experience. Then, we had our first child, and all that experience was kicked to the curb. And then, just when we thought we had everything pretty much under control, […]
When You Live in and Visit Nice Places
When you live in and visit nice places, remember this: the cost of living may be pricing out first responders. I’m not here to ruin your day or your vacation. Don’t shoot the messenger. But when you consider places like Cape Cod, Nantucket, and Martha’s Vineyard, the cost of living is pricing them out. Being […]
ACT NOW: Retirees Needing Fixed Income Start Here
Starving for fixed income? Imagine retiring when interest rates were nailed to the floor. We got through it. Now, you’re seeing rates you can sink your teeth into. It’s been a while since I could recommend that retirees begin their journey by considering putting their age in percentage terms in bonds as a portion of […]
Your Investment Lifeline: “Where’d Everyone Go?”
In my conversations with you, you tell me how you don’t have time to manage your portfolio. You read Richard C. Young’s Intelligence Report religiously and made copies for your daughter (you weren’t supposed to tell me that). You’re on so many committees with this board and that group; they rely on you to keep […]
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