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Ken Himmler

The Stock Market Blues

Posted by: Ken Himmler /  Category: Investment Psycology, Investment Strategies

As I was driving to the gym this morning it occurred to me that many of the workers on their way to the office demonstrate the same behavior as many people in the stock market. As I was in the center lane a large SUV – getting 5 miles to the gallon I’m sure – came speeding up behind me and tailed me for about a mile. I saw the fellow in the rear view mirror getting angrier and started pounding his steering wheel. At the first chance he swerved over a lane, cut off another person and speed off. Read more…

Ken Himmler

Marriage and the Estate Tax

Posted by: Ken Himmler /  Category: Estate Planning, Marriage and Money

Recently I spoke about the benefits of not being married. The US Tax Code, the Medicaid System, and many other parts of our financial society penalize you for getting married. This is odd, considering we are in a country that boasts of the large commitment to church. It would seem that the Government would offer benefits to you to get married but that is not the system we have – so complaining about it won’t change it. In a recent forum, Read more…

Ken Himmler

Annuities for lifetime income

Posted by: Ken Himmler /  Category: Investment Strategies, Retirement Distribution Strategies

In the past 25 years I have heard a lot of arguments for and against annuities. Most of the time it is about how the agents earn a lot of money. My opinion, so what – the end result is what is important. Where the bad rap comes in is when the insurance agent sell an annuity that should not be sold. This is like going to an auto dealership and the salesman trying to sell you a two seater Read more…