Business & Law

Luck is No Substitute for Knowledge

Ask the CFP

“Confidence comes from discipline and training.” ~ Robert Kiyosaki, American Businessman and Author of “Rich Dad, Poor Dad” (1947 –  ). Question: Even though the market has gained back most of what it lost at the end of 2018 I’m still concerned and uncomfortable with volatility. What tips can you provide to help prepare for the next inevitable downturn? Answer: […]

Sidewalk Trips and Liability

Law Matters

Sidewalk cracks are all too common. Everyone has seen them. Some have tripped over them and been seriously injured. When that happens, the question becomes who is liable for those injuries? Liability is not automatic. A person injured in a trip and fall must usually establish the person responsible for the sidewalk had actual or constructive notice of the dangerous […]

Alimony Different Ways

Law Matters

Alimony has a long history. Its genesis can be traced as far back as the Babylonian Code of Hammurabi almost 4,000 years ago. Its origin was intended to take care of the former wife, since women had limited rights and ability for self support. The modern concept developed during the 16th Century in English Ecclesiastical (church) courts. Divorce was not […]

Hedge Your Bets

Ask the CFP

“Courage is the ladder on which all the other virtues mount.”  ~ Clare Boothe Luce, U.S. Congressman, Ambassador and Author (1903-1987) Question:  What is a “bond ladder”? Answer:  A bond ladder is a portfolio of bonds with maturity dates spread over months and years in regular intervals. In other words, it’s a technique used by bond investors to hedge their […]

Millionaire Choices…

Veterans, it’s your earned entitlement!

Without question, those in service of our country should collect benefits that have been earned. In addition to health care, education benefits may be one of the most significant allowances offered to Vets.   Having served our country and ready to enter the workforce a Marine Vet makes a succinct but thoughtful inquiry.  Read on. Dear Drs, I am a […]

A Family Affair at Ameriprise Financial

The story is one of those rare but true ones in which a chance meeting results in a life-changing event. That is precisely what happened almost 23 years ago when Marco Islanders Vince Magee and Terry McCreanor met for the first time. Magee was then a recent college graduate who’d attended school part-time for eight years, while working full-time as […]

Ideal Physical Therapy & Fitness Hits Its Stride

After introducing physical therapy, active stretching, and personal training to its existing program of guided workouts and nutritional coaching, Ideal Physical Therapy & Fitness has welcomed hundreds of new clients and patients into its family. This new integrated approach helps clients achieve greater levels of wellness since it addresses a wide range of factors that influence good health. The comprehensive […]

Alternatives to Lawsuits

Law Matters

Lawsuits are expensive. Even in smaller cases, the parties can pay tens of thousands of dollars in attorney’s fees. Attorney’s fees exceed the amount in dispute in many cases. Unless the prevailing party is entitled to attorney’s fees by term of contract or statute, attorney fee are not generally recoverable from the losing party. Even when they are awarded, courts […]

Recession or Sustainable Recovery?

Ask the CFP

“It’s a recession when your neighbor loses his job; it’s a depression when you lose your own.” ~ Harry S. Truman Question:  Do you think we’ll have a recession in 2019? Answer: Based on Harry S. Truman’s quote, the answer would be that it’s not very like that we’ll have a recession based on labor markets and employment rates. In […]

Gift Remorse, Take Backs or Returns


The joy of Christmas giving has passed and many recipients and even givers are having second thoughts. Can that gift be returned to the store? Or, if the relationship has soured, can a gift be taken back by the giver? There are not a lot of laws concerning returns or exchanges. Federal laws are virtually nonexistent. That leaves regulation to […]

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