Extended Family Issue
Financing Independent Living Arrangements
Generally classified as the population born between 1946 and 1964 , the first of the Baby Boomers turned 65 in 2011. Not only are many of them retiring and collecting Social Security, these Boomers are also looking for long term residential living options better suited to their lifestyle changes. This swell in demand is creating many different choices, as well as a new financial question: how will we pay for it?
To read more please take a look at our January 2012 Newsletter.
December 2011 Newsletter
HOW WILL THE GREAT RECESSION CHANGE YOUR PERCEPTION?
More Americans find themselves living on
a thin financial margin where one unforeseen incident can unravel everything.
People know they need insurance.
This article asks the reader if it's time
to reassess their situation?
To read more please read our December 2011 newsletter
DOES YOUR INCOME HAVE “HIGH BETA”?
(And if it does, what are you going to do about it?)
Financial analysts use a variety of mathematical metrics to evaluate the performance of
individual stocks and indexes. One of these terms of evaluation is “beta,” the measure of a stock’s volatility in relation to a broader benchmark, usually an index. The higher the beta, the greater the volatility. Applying the concept to other areas of finance, economists are finding that many American households have “high beta” incomes, and this fluctuation is having a huge impact on personal finances as well as the national economy.
To read more please view our November 2011 newsletter
“CAN WE MONETIZE IT?”
The process of converting something of value into money is called monetization. Because money has a superlative advantage over all other assets since it can be used to buy almost anything, monetization strategies are an essential part of financial decision-making for both businesses and individuals because monetization makes valuable assets spendable.
The concept of monetization is simple, and this simplicity may lead us to overlook its importance. But when we have valuable assets that are not monetized, we begin to see how crucial monetization is to financial success.
To read more please read our October 2011 newsletter.
The information on this site is intended for the residents of CT ,DE ,FL ,NJ ,NY, PA ,VA.
C & A Financial Group is a general agency of The Guardian Life Insurance Company of America, New York, NY.
The agents of C & A Financial Group are not licensed to sell insurance in all 50 states.
To find out if an agent is licensed in your state, please contact Frank Congilose at 732-528-4800.