Take care of your Heirs–before you’re gone–after you’re gone
Do you have a plan for your heirs? Do they have a plan? Make sure they know to save for retirement, beginning with their first job, and how and what to invest in. Can they take over your portfolio? We’ll talk about that, and more. Can you set up investments that will work even if they know nothing about investing–after you’re gone? We’ll talk about that too.
Basic Investing for Busy People—a set and forget investment plan
The KISS acronym is a reminder to keep it simple, regardless of the activity. Let’s apply it to investing. The new investor who needs help with investing in a 401(k), to the older investor who has lost interest or doesn’t have a plan for their heirs, here is guidance—simple guidance. If you don’t know how to get started; need an investment plan that doesn’t require time; or need a plan for your heirs, these questions will be answered.
Basic Rules—Investing for a Lifetime (Beginner and above)
We’re living longer. This session will cover from the beginning of a working lifetime, to the end, and explain the financial and emotional steps in between: What to invest in and what not—and why; how to prepare your heirs for their role and your demise. Rules for you, and rules for your children and grandchildren.
Technical Tools for the Fundamental Investor (Intermediate and above)
Technical Analysis type tools are useful to the fundamental investor. This session will explain how, and how to use them. Learn how to protect gains, and when to do so. Augment SSG data to determine when a company is overpriced, and where to set the five year low price—a critical selection. Tools that help with SSG judgment data.
Retirement Traps, Will I Have Enough—and What to Tell Your Grandkids? (Beginner and above)
There are traps built into IRAs and retirement plans that can cost your heirs serious money, but are easy to avoid. There are steps to take to make it easy, once you are gone, for your heirs to jump quickly into the driver seat and settle your affairs easily. Then there is the question — Will my grandkids retire as well as I? You can show them how.
Your Portfolio—how ya doin’? (Beginner and above)
Do you compare the gain in your portfolio with market averages at the end of each year—and since each company was purchased? Do you know the annualized return for each company held, and your portfolio—since inception? It’s vital you know. How else can you determine how well the portfolio is doing. This session will show two methods of easily achieving both answers using a free spreadsheet tool.
Analyzing an Annual Report the Easy Way (Beginner and above)
If you find the information in the Annual Report daunting, this class is for you. Only minutes are required for the entire analysis. First—what to read, what’s important, and what’s not. Second—how to analyze all those financial numbers. A computerized tool (spreadsheet), available at no cost, quickly guides you to useful conclusions. The tool is built in sections, allowing a simple and quick data analysis, through more complex graphic levels, depending on your interest and investment skill level. Start with a simple analysis and learn as you explore more and more information about a company.
Reverse Mortgages – dangerous to your health? (General)
The next major financial fiasco could be Reverse Mortgages. It’s a new kind of debt where lenders shoulder almost no risk, and taxpayers are in line to subsidize the risk. Baby boomers are prime targets. If a Reverse Mortgage interests you, know what questions to ask. Be aware of the potential costs and potholes. Learn of other financial resources and what tools to use first.
Annuities–Good, Not So Good, or Bad? (General)
“Annuities are controversial investments, even with the financial community.”–Suze Orman That quote pretty well sets the attitude to be taken toward an annuity–be wary. However, it is a financial tool which can be useful for some investors. We’ll explore circumstances when an annuity might be useful, and if so, the dangers and traps to be avoided.
Mutual Funds—What You Must Know — Should they be in your portfolio? (Beginner and above)
Managed mutual funds are very expensive. Learn why, and how they can harm your financial future. Learn about alternatives where costs are far less and returns better. If you don’t want to pick individual companies to invest in, do well by investing in index funds-which could be described as the set and forget portfolio. Learn where to invest money in your 401(k) or similar accounts.
Bio for Bob Adams
Bob is retired from 26 years in radio & television broadcasting, and 13 years as a college professor. He served as a Director for InvestEd Inc., a non-profit investor education organization since 2007 and is currently a Director Emeritus; served on the BetterInvesting Computer Group Advisory Board from 1999 through 2006; is a Director Emeritus for the Puget Sound Chapter, serving since 1994. Bob is a strong advocate of long-term investing. Go to his personal website for information and free investment tools: www.bob-adams.net.