Live A Life By Design Blog

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Lifetime Decisions on Social Security Benefits

Perhaps one of the “Top 10” retirement questions we receive is when to elect social security benefits. The question is one that is complicated to answer due to the fact that many unknown variables exist within this question. Just a few considerations are: 1) How long will I live? 2) How can I maximize my […]

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The Elusive Measure of Time

One of the curious hobbies I enjoy is reading grave markers when attending a funeral or during a day of honoring our loved ones. My wife often remarks, “What fascinates you with grave markers?” I often smile and simply say, “time”. She looks at me with that look of confusion she gives me and walks […]

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Thriving in Volatile Markets

Do you dread challenging markets?  Do you break out into a cold sweat when your investment statement arrives in the mail?  Many of us don’t understand the positives, yes, I said “positives”, of the opportunities that present themselves in volatile markets.  Retail investors exhibit several common traits.  First, they typically like to “buy high” and […]

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Young & Investing

Have you ever thought about what all your smartphone can actually do for you? Generation Z, also known as Gen Z, has taken full advantage of the services it has to offer.  Gen Z is now using social media and online search engines to get their finances in order. Recent studies found that fifty four […]

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Defining Retirement Success

The word “success” scares a lot of people, confuses some and eludes most. This word is such a phenomenon that many of us can’t define it in terms that are relatable to others. Why is this so? I believe the word “success” has been given a bad reputation because many people associate the word with […]

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Opportunity or Tragedy?

The world has become a tenuous planet over the past couple of years. Many people have been impacted, some positively and many negatively. How do you think a person can become positively affected by such trauma and chaos in the world? First, the maintenance of attitude.  Negative people only seek ratification of their advice by […]

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The Millennial Perspective: The Sustainable Lifestyle

In recent years the idea of being eco-friendly and sustainable has grown more popular in many areas of life. A lot of Millennials and Gen Z, who have spearheaded this movement, strive to live a more sustainable lifestyle to create a better world for the future generations. When many people think of eco-friendly, recycling is […]

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Why Your Loan Interest Rate Is Going Up

If you have attempted to purchase a new car, new home or pay on your credit cards, you may notice the interest rates being charged you are higher than you experienced earlier this summer. Inflation has been a tremendous force on the budge of families in the United States in the past year. Currently, the […]

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Why and When to Re-balance Your Portfolio

The world has become disruptive in the past couple of years. Rampant inflation in the economy and rising interest rates are causing many Americans to wonder if retirement is in their future. ​One rule I live by is “never make lifetime decisions based on short-term factors.”  Let us assume you are 60 years of age and wanting to retire […]

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How To Remain Prudent During Market Cycles

What goes up must come down! Whoever authored this statement of life events and business activities should receive the award for the Most Obvious Statement. However inane the statement, it does contain a little truth when applied to our current economic cycle in the United States. Factors such as inflation, supply chain disruption, interest rate […]