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It's Fall Y' all!!!
Donna and I had a great summer, we enjoyed cook outs with family and friends. Our lives always seem busy and moving these days, Donna headed back to school in early August and September flew by.
We are excited about October and November... with Fall approaching, we are looking forward to College football, tailgating and fun times with family and friends.
Go Buckeyes!!!
"Sorry Michigan Fans"
Hope everyone enjoys the changing colors of the trees, Autumn smells and change of the warm air...turning crisp.
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| Sincerely,  Bill Mann Financial Consultant [email protected] 419-636-5568 |
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Monthly Economic Update
THE MONTH IN BRIEF
Wall Street maintained its optimism in September. While trade worries were top of mind for economists and investors overseas, bulls largely shrugged at the prospect of tariffs and the probability of another interest rate hike. The S&P 500 rose 0.43% for the month. On the whole, U.S. economic indicators were quite good, and some offered pleasant surprises.
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What People Overlook When Shopping for Life Insurance
A few realities that must be acknowledged.
Provided by
Bill Mann, AIF®
Shopping for life insurance means paying attention to detail. In scrutinizing these details, however, some fundamental, big-picture truths may be ignored.
If you want to renew or upgrade coverage later in life, the terms could be less than ideal.
You may be healthier than most of your peers, you may have the constitution of someone half your age, but insurers base policy premiums and terms of coverage on actuarial norms, not exceptions. Purchase a term life policy at age 50, and your premiums may be considerably more expensive than if you had bought the same coverage at age 30. This is the way of the insurance business.
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Prep Time 20 Cook Time 50-55 mins.
6 - Apples -Peeled, cored and sliced
1 - Cup of water or apple juice
1 - (18.25 ounce) package of white cake mix
1 - Cup packed brown sugar
1 - Teaspoon of ground cinnamon
1/2 - Cup butter, melted
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Debunking a Few Popular Retirement Myths
It seems high time to dispel some of these misconceptions.
Provided by
Bill Mann, AIF®
Generalizations about money and retirement linger.
Some have been around for decades, and some new clichés have recently joined their ranks. Let's examine a few.
"When I'm retired, I won't really have to invest anymore."
Society still sees retirement as an end instead of a beginning - a finish line for a career. In reality, retirement is the start of a new and promising phase of life that could last a few decades. If you don't keep one or two feet in the investment markets (most notably the equities markets), you risk quickly losing purchasing power as even moderate inflation will devalue the dollars you've saved. Keep saving, keep earning, and keep investing.
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Save & Invest Even if Money Is Tight
For millennials, today is the right time.
Provided by
Bill Mann,
AIF®
If you are under 30, you have likely heard that now is the ideal time to save and invest.
You know that the power of compound interest is on your side; you recognize the potential advantages of an early start.
There is only one problem: you do not earn enough money to invest.
You are barely getting by as it is.
the saving and investing effort can still be made.
Even a minimal effort could have a meaningful impact later.
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Preparing to Retire Single
Unmarrieds need to approach retirement planning pragmatically.
Provided by
Bill Mann,
AIF®
In an ideal world, it would be simple to prepare for a solo retirement.
You would just save half as much as a couple saves, buy half as much insurance coverage, and expect to live on half the income. Reality dictates otherwise.
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Citations.
1 - cnbc.com/2016/03/31/dow-posts-biggest-quarterly-comeback-since-1933.html [3/31/16]
Mann's Investment Group, LLC. does not offer tax, or legal advice. The information presented here is not specific to any individual's personal circumstances. To the extent that this material concerns tax matters, it is not intended or written to be used, and cannot be used, by a taxpayer for the purpose of avoiding penalties that may be imposed by law. Each taxpayer should seek independent advice from a tax professional based on his or her individual circumstances. These materials are provided for general information and educational purposes based upon publicly available information from sources believed to be reliable-we cannot assure the accuracy or completeness of these materials. The information in these materials may change at any time and without notice.
Mann's Investment Group, LLC ~ 1210 West High Street Bryan, OH 43506 / 419-636-5568
Securities offered through Parkland Securities, LLC. Member FINRA/SIPC. Investment advisory services offered through Sigma Planning Corporation, a registered investment advisor. Mann's Investment Group, LLC. is independent of Parkland Securities, LLC and Sigma Planning Corporation.
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