By David P. Schaeffer

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“This is the year I’m gonna…” We have all said it before with a New Year’s resolution. The garage is going to get cleaned out. The closet will get cleaned out. The trunk of the car will get cleaned out. The swamp is gonna get cleaned out. Sorry, I had to throw that one in there. But here we are, nothing changed.

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So what’s the motivation, what’s the inspiration to make the difference? Perhaps a good book. A good movie where the underdog climbs to the top. Everyone has a different muse.

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Let’s start with something simple: I want to lose 10 pounds. (I don’t care if you must lose a hundred pounds, start with an attainable goal; then, move on to the next step.)

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I want to get out of town. (I know you are thinking that visiting the great pyramids would be great. How about a great old mining town 100 miles from Phoenix?)

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I want to make a million bucks. (That’s easy. But it starts with your first penny earned.)
What I’m trying to say is, if you break your lofty goals into bite-sized chunks, they are not only easily obtainable but really nice to check off your list of accomplishments.

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Realistically, when was the last time you looked at your auto insurance, your homeowners’ insurance? No, we don’t sell that stuff. But seriously, when was the last time you compared 5 companies to see if you had the lowest rates? If the company you have is on TV all the time, you are probably not getting the value in your pocketbook.

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Health insurance for under-age-65 folks in Maricopa County is not pretty if you have an income above $60,000. Our only suggestion is the faith-based programs. Visit our website for a whitepaper on the subject, called “Understanding Faith-Based Alternatives for Healthcare” http://bit.ly/2j4Ce65

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Your life-long savings is a touchy subject. For some folks, they know more than everyone put together; for the rest of us we are kind of anxious to discuss the subject. I completely understand. That’s why we offer FREE classes on Social Security and Retirement Income Planning. It’s easy to come to a class with an open mind to education and no pressure to do anything but learn. If you are paying fees on your entire portfolio or own mostly mutual funds or just want to learn if there are alternatives, call the office and get into a class. You can register online as well at www.123EasyRetire.com or www.123EasySocialSecurity.com.

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I wish you all the success and good health and a clean garage in the new year.

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Respectfully,

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David P. Schaeffer