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“ALL the Music That Matters for the Generation That Created Rock 'n' Roll”

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The Tooth Fairy & the Cost of Living

How much did the Tooth Fairy leave under your pillow when you lost a baby tooth?

How much do you think she leaves now?

Surveys show, the Tooth Fairy now delivers over $4 a tooth! Unfortunately for us, that's only for baby teeth!

Tips to Protect Your Money

Here are some tips to help protect you from losing your hard-earned savings to Ponzi-like investment schemes:

1.) Research your broker and the investment - Studies show fewer than 20% of people ever check up on their broker or where he or she may be placing their money. Two good places to start are the SEC's investor.gov & the Financial Industry's Regulatory Authority's brokercheck.finra.org.

2.) If it seems too good to be true, it's probably not true. When you hear phrases like "no risk" and guaranteed returns," run the other way.

3.) If you don't understand the investment, be wary.

4.) Don't be startruck - Celebrity endorsements don't really mean anything. The endorser is usually being paid or has a financial interest in you making an investment. 

Above all, take your time! Don't let a broker try to hurry with warnings that the quicker you invest, thequicker your money will grow. It can also be the quicker you lose everything!

Time for Your Yearly Financial Check-Up

Financial planners say you should check these things to ensure you are in control of your money:

Do You Have a Will? No one likes to think about it. But the experts say this is where you should start. Using a lawyer will cost you (probably a couple of thousand dollars). If you go the Do-It-Yourself route, you’ll save money, but pay attention to your state’s rules before you sign or your will might be invalid.

Can You List All Your Financial Accounts? More importantly, can your spouse and/or heirs list all your financial accounts. Take time to prepare a list as well as contact information for all your accounts and make sure someone else you trust knows where that list is located.

Should You Pay Off Your Mortgage? Surprisingly, financial planners say that sometimes the answer is “no.” You may still get a tax benefit from mortgage interest and you’ll free up more cash to invest elsewhere or just to enjoy life. Before answering this question, consult your financial professional.

How Much Credit Card Interest Do You Pay Every Month? The average credit card charges 16%. So getting you answer to $0 or as close to it as possible is the right way to go.

There’s Gold in Them Thar Attics

Looking to raise a little cash and de-clutter at the same time? Here’s what’s hot and what’s not in the world of collectibles:

HOT NOT
Coins/Currency Pre-20th Century War Artifacts from WWI or II
Cardboard Advertising Signs  Metal Advertising Signs
Movie posters Pre-1990 Movie Posters Post-1990
Space Program Collectible Comics Books Post-1970
Vintage Mint Condition Toys Post-1960 Campaign Buttons

 

Happy hunting!

Free Higher Learning

If you are one of the many who want to keep learning no matter how old we get, you should know that many state colleges and universities waive tuition on courses for residents who are age 60 or older.

In addition there are many free courses available online at sites like:

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