Facts: Unemployment remained at 3.5%. 3rd Quarter GDP was 2.1%, according to the 3rd estimate. PMI was contracted again, with the index reading to 47.2%. The S&P 500 (C Fund) increased 3.01% during the month of December. Assessment: PMI has contracted for the 4th consecutive month. Not wonderful news. 2.1% quarterly GDP is just okay
How much reserves should you have in your rainy day fund? If you think about it, a rainy day fund is primarily for emergency use when something “goes wrong.” As such, it is essentially a form of insurance. The question now becomes, how much rainy day “insurance” should you have?Join me in my upcoming webinar
Stephen Zelcer’s TSP Planning Report for the month of December. Find out how the different portfolios are looking. Sign up for a free month to see what you are missing.
What’s better? FSA or HSA? Can you do both? Both of these plans are available thru FEHB this open season. Understanding the advantages of each can translate into thousands of dollars a year, year after year! Join me in my upcoming webinar – FSA, HSA or Both? – Which strategy will save you the most
Webinar – SHOULD YOU TAKE MEDICARE? Medicare Part B costs thousands of dollars a year. And they threaten you with penalties if you don’t take it. You already have FEHB. Do you need both? Join me in my upcoming webinar – Should you take Medicare? Thursday November 7th 2019 In this Webinar I will explain: The
Watch Stephen explain the 9 benefits of financial planning. Some you probably already know, others ………???
Facts: PMI contracted again, with the index reading to 47.8%. 2nd Quarter GDP was 2%, according to the updated 3rd estimate. Unemployment remained at 3.5%. The S&P 500 (C Fund) increased 1.87% during the month of September. Assessment: PMI has contracted for the 2nd consecutive month. This is on the heels of a 31 month expansion hot
Do you need an Annuity?:Will you outlive your retirement income and run out of money? Not if you have an annuity! However, not all annuities are created equal, and not everyone needs an annuity. Annuities are insurance products that cost money. And some annuities are irrevocable. But the financial advisors (and the TSP) aggressively peddle these
A video on the 4 financial steps I wish I had known when I was younger. Succinct, easy to understand financial advice for those starting out. With Stephen Zelcer, financial advisor.
Another economic indicator surprisingly underperformed this month. But, I’m no where near panic mode – and neither should you. The economy is slowing but not enough to warrant the media doomsday preaching. I’ve published my recommended portfolio’s for this month.
Hi, The new TSP Modernization Rules are about to be rolled out. September 15 is when they go into full effect. TSP put out a video that is about an hour and twenty minutes long. So I figured I could save you some time by condensing it into a few minutes….. Enjoy Stephen https://youtu.be/LcTUfdg67UQ
Will retirement make you depressed?I know we don’t like to think about the potential negatives of retirement, and that’s why you have people like me to nag you and set you on a good path.In my next webinar we’ll explore the practical steps needed to enjoy this next stage of your life. This is not
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