Important News for Our Clients
October Insights
 
Welcome
Being rich is having money; being wealthy is having time. ” — Henry Ward Beecher
 
Money or time? If you could have more of one, which would you choose? (No, you can’t answer “both!”) If you often feel like you have too much to do and not enough time to do it, the article below shows how “buying more time” may help improve your mood. Understanding how you think about money may help you make better choices. See which of these four “money personalities” seems to best fit you. The two most important articles in this issue focus on Social Security strategies and common myths about finances in retirement. You may already be retired, or you may be years away from it, but these articles are still worth reading … if not to directly benefit you, then maybe to help someone else in your life. I consider it my responsibility (and privilege) to help you reach the goals you have for your retirement, and strongly believe that the more you learn, the better your experience as an investor. 
Articles of Interest 

While there are always exceptions based on individual circumstances, here are some very compelling reasons for delaying taking Social Security until at least 65 . I would be happy to talk this through with you and determine what makes the most sense for your particular circumstances.

Whether you are months or years away from retiring (or even in retirement), it’s important to be as educated as possible about what to expect so you can plan accordingly . Many are surprised to find out that Medicare will NOT cover everything, and downsizing may not save you as much money as you thought.  

 
Which one are you: the money avoidant, the money worshipper, the money status seeker, or the money vigilant? Here are some interesting ideas on how each of these different personalities can overcome potential pitfalls and make better financial decisions.

“Time famine” is the pervasive feeling of being overwhelmed with the demands of work and life . This article offers suggestions on how you may be able to decrease that feeling. Who do you think reports greater happiness: those who value time more, or those who value money more? The answer may surprise you.


Third-party websites are not created or endorsed by Capital Investment Management, Inc. They are maintained by an unaffiliated third party. Outside third party material may not be regulated under the same standards as Registered Investment Advisors. Capital Investment Management, Inc. makes no representation as to the completeness or accuracy of the information provided, and disclaims any responsibility for or endorsement of, the recommendations made at or content included on the websites referenced herein.
 | Capital Investment Management, Inc. |410-997-6755| www.capitalmanage.com |
 Investment Advisory Services Provided By Capital Investment Management, Inc.
Capital Investment Management, Inc., Loring Ward, and Dimensional are unaffiliated entities
Capital Investment Management, Inc. does not specifically endorse any of the web sites listed. They are merely provided as potential resources. Information within this email may change over time based on rules/regulations/data changes and other variables. 
Financial Advisors do not provide specific tax/legal advice & this information shouldn't be considered as such. You should always consult your tax/legal advisor regarding your own specific tax/legal situation.
Past performance is not indicative of future results and no investment strategy is free from risk, nor do they guarantee returns