Live A Life By Design Blog

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The One Constant is Change

Remember as a younger person when you first heard the phrase, “the only constant in life is change”? At the time you, perhaps, thought the person to be either a great philosopher or speaking gibberish. As I am approaching the inspirational age of 60 years young, the aforementioned statement of change has been proven true […]

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Medicare Benefits Planning

One of the most critical benefits affecting American citizens is the Medicare Program.  For those individuals who qualify at age 65, this program provides health coverage for inpatient care (Part A), outpatient care (Part B), prescriptions (Part D) and other areas.  This article will focus on these three most common areas of care. To qualify […]

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What Is Your Net Worth?

As a result of the economic disruption of the past two years, many people are becoming confused and concerned as to the sufficiency of their financial wealth in maintaining their lifestyle. Fear has a means of causing one to doubt previously acceptable strategies and financial reserves as supportive of your future. By focusing on the […]

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The Most Critical Action for Success

The focus of my articles has been the creation of great value in the lives of the readers. Many of our articles focus on the financial and planning aspects of life. This one is a little different in the terms of investing in yourself. Many of us would agree that it doesn’t matter where you […]

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New Tax Law, New Opportunities

One thing in life you can always count on is that tax laws will never be simple in language or applicability! President Biden signed the Inflation Reduction Act of 2022 into law on August 16, 2022. Immediately, much hoopla ensued from the Biden Administration touting its effectiveness and from opponents as to its contribution to […]

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Where’d Everyone Go?

From going out to eat to going shopping anyone can see that there is a shortage of workers. Everywhere you go the staff is shorthanded, yet the unemployment rate is the lowest it has been in two years. It is a no brainer that the employment rate has been so high due to the impact […]

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The Millennial Perspective: Stop Treading, Start Moving

How many times have you felt stuck in your position at work? Feeling like no matter what you do you won’t be offered a promotion, or you only receive raises a few cents at a time, if any. Don’t you dream about advancing your career and wonder what it’s going to take? Well, sometimes it […]

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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 […]