Author: gstc

We all have a renewed sense of just how fragile we are, and are evaluating the steps we can take to reduce that fragility. In terms of family financial security, one could consider: More insurance (life, long-term care, or disability insurance); More savings in tax-preferred retirement accounts to protect against running out money. Portfolio changes…

The adage “absence makes the heart grow fonder” doesn’t just apply to people. During the pandemic crisis we’ve all had to forego many routine experiences that we may have taken for granted, not have realizing how much we’d miss them when they are gone. People are anxious to see movies on the big screen again,…

Americans have been noted to be the most generous on the planet in terms of charitable giving, and that generous nature has inspired us many times over when we face and overcome crises as a community. The Federal government is also trying to promote charitable giving, and has added incentives beyond what is generally provided…

The safety of our people is extremely important, and we urge all necessary precautions be taken to protect against the threat of the coronavirus. The difficulties from the pandemic goes across all creeds and wealth levels. It has shown us some of the best of humanity through the extraordinary efforts of first responders and charities.…

Even the most responsible person in the world who has never missed a payment could be missing a good credit score. Why? Because it takes time to build a reputation, which is based on what you’ve done. The general guidance for creating a good reputation and credit score aligns with what one would expect: Live…

Sometimes, the shock of a sudden death can provide a sharp focus on things we did not appreciate soon enough, and what we know but don’t always act on. It’s always worthwhile to express our appreciation for those we care for. With the recent tragic helicopter crash that led to the loss of Kobe Bryant,…

The last decade was one of tremendous market optimism, which included the longest bull market in American history. That is because we have gone 130 months as of January 1st 2020 without a 20% or greater decline in the stock market, breaking the previous record of 113 months. Fun Fact! The terms for being bullish…