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Guest Editorial: Sequoia Gateway Is an Environmental Plus

By Fred Ruiz and Bill Travis Sequoia Gateway, the project proposed for the southeast corner of Caldwell Avenue and Highway 99, has been blessed by the Tulare County Planning Commission and approved by the Tulare County Board of Supervisors. Many were singing the praises of the proposed tenants in the project, including new hotels, restaurants […]

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Business Cents: Rough Consequences of Not Saving for Retirement

Provided By Garrett German Saving for retirement may seem a thankless task. But you may be thanking yourself later. Putting away a percentage of one’s income, money that could be used for any number of bills or luxuries, is a sacrifice made in the present in order to avoid a larger trouble down the road. […]

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Business Cents: What Could You Do With Your Tax Refund?

Provided by Garrett German About 70% of taxpayers receive sizable refunds from the Internal Revenue Service. Just how sizable? The average refund totals about $2,800. What do households do with that money? It varies. Last year, consumer financial services company Bankrate asked Americans about their plans for their federal tax refunds. Thirty-one percent of the […]

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Business Cents: What You Can/Cannot Control as You Plan for Retirement

Provided by Garrett German Are you worried about retiring? Many baby boomers are, and they have reason to be, given low interest rates, subpar returns on equities, increasing health care costs, and the issues facing Social Security. Now, do yourself a favor. Read that last sentence again, and ask yourself, “which of those four things […]

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Business Cents: Tell beneficiaries about your accounts, policies

By Garrett German Will your heirs receive a fair share of your wealth? Will your invested assets go where you want them to when you die? If you have a proper will or estate plan in place, you will likely answer “yes” to both of those questions. The beneficiary forms you filled out years ago […]

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Life Insurance Is Probably Cheaper Than You Think

Provided by Garrett German According to a new study, 41% of Americans lack life insurance coverage. The 2017 Insurance Barometer Study, conducted by the nonprofit organizations LIMRA and Life Happens, also discovered that while 84% of Americans felt life insurance was appropriate for most people, just 70% thought it was a good idea for them. […]

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Avoid These Life Insurance Missteps

Provided by Garrett German Are you about to buy life insurance? Shop carefully. Make your choice with insight from an insurance professional, as it may help you avoid some of these all-too-common missteps. Buying the first policy you see. Anyone interested in life insurance should take the time to compare a few plans – not […]

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Business Cents: The Sequence of Returns

Provided by Garrett German What exactly is the “sequence of returns”? The phrase simply describes the yearly variation in an investment portfolio’s rate of return. Across 20 or 30 years of saving and investing for the future, what kind of impact do these deviations from the average return have on a portfolio’s final value?  The […]

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Should You Pay Off Your Home Before You Retire?

Provided by Garrett German  Should you own your home free and clear before you retire? At first glance, the answer would seem to be “absolutely, if at all possible.” Retiring with less debt … isn’t that a good thing? Why not make a few extra mortgage payments to get the job done? In reality, things […]

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