Everybody pauses and stares at me This old job is gone as you can see I don’t know just who to thank for this blessing! But my one wish on Christmas Eve is as plain as it can be! All I want for Christmas Is my Re-tire-ment, My Re-tire-ment, Yes, my Re-tire-ment Gee, if I … Continue reading ALL I WANT FOR CHRISTMAS!



It’s taken decades and maybe centuries to fine tune the art of Christmas marketing. Marketing efforts for the holiday function like a well-oiled machine with research determining how early is too early and what sounds or smells will allow shoppers to let down their guard and empty their wallets. For many, the temptation to indulge … Continue reading CHRISTMAS EVERYWHERE


Retirement, like many things, has evolved over the years as generations of people have entered and prepared for retirement. There are various reasons for the changing landscape including health care advancements, changes in retirement savings accounts and the promotion of retirement as a lifestyle. It’s an evolution that will continue as elements of retirement change … Continue reading A CHANGING RETIREMENT


One of the most detrimental factors to retirement is inflation. Inflation reduces our purchasing power and hinders our ability over time to buy necessary goods and services. For those on “fixed income” such as Social Security, pensions or annuity payouts, the effects of inflation can be devastating later in retirement. Often when entering retirement, people … Continue reading FLAT CHECKS