Articles by Christopher Perme
Christopher A. Perme is a registered representative of and offers securities, investment advisory and financial planning services through MML Investors Services, Inc. Member SIPC. Supervisory Office: 1660 W. 2nd Street # 850, Cleveland, OH 44113. 216-621-5680.
Five Financial Success Strategies for Today’s Busy Woman
What is the sign of a good decision?®
It’s preparing for the unexpected to help protect the lifestyle you have worked so hard to achieve.
Disability Facts that Might Surprise You
In times like these, good decisions matter. And when it comes to protecting a portion of your income from disability risks, it’s important to base your decision on the facts. In the case of disability, some of those facts might surprise you.
For example, more than one-quarter of today’s 20 year-olds …
By The Numbers
What is the sign of a good decision?®
It’s putting what’s important to you first.
Did you realize that your assets owned at death are generally subject to federal and state taxes?
A significant percentage of your estate may go towards tax liabilities. Unless you plan ahead, your legacy becomes open to public …
By The Numbers
1. DROPS HAPPEN – Since the S&P 500 bottomed on 3/09/09, the stock index has gained +130.1% through the close of trading last Friday 3/22/13 (change of the raw index not counting the impact of reinvested dividends). Even though the index has more than doubled there have been 13 different …
By The Numbers
1. LOOKING BACK – Over the 300 months ending 2/28/13 (i.e., the last 25 years), the S&P 500 has been up 64% of the months and down the other 36% of the months. The period includes the 2000-02 bear market (down 49%) and the 2007-09 bear market (down 57%). The …
By The Numbers
1. TWO MONTHS – The S&P 500 gained +6.6% (total return) during the first 2 months of 2013, 67% of the average annual total return achieved over the last 50 calendar years. The S&P 500 is an unmanaged index of 500 widely held stocks that is generally considered representative of …
How Much Will Health Care Cost in Retirement?
What is the sign of a good decision?®
It’s managing health care costs and your retirement outlook.
Health care costs rank as one of retirees’ biggest financial concerns. But the sooner you plan for this cost, the better you’ll feel about your retirement security. Keep in mind, too, that the chances of …
Help Protect Your Assets
Lawsuits have become increasingly common in our society. From 1951 through 2009, the cost of torts (civil suits) rose at more than double the annual rate of general inflation and even surpassed the annual increase in medical expenses.
What Are Some Smart Ways to Refinance?
Recently, fixed mortgages were near their lowest rates in almost 30 years. And if you are one of the many people who took out mortgages in the few years prior to that, you may be wondering if you should look into refinancing.
If your mortgage was taken out within the past …
Garfield Schools Unite To Benefit Those in Need: Nearly Two Tons of Food Donated by Kids for Nelson-Garrettsville Community Cupboard
Garrettsville – Once again, the generosity of our community has been proudly displayed; this time by our students and their families. With the support of its teachers and administrators, the James A. Garfield Elementary, Intermediate, Middle and High Schools joined forces to support our local food pantry, the Nelson-Garrettsville Community …
Help Protect Your Assets
Lawsuits have become increasingly common in our society. From 1951 through 2009, the cost of torts (civil suits) rose at more than double the annual rate of general inflation and even surpassed the annual increase in medical expenses (see chart).
Investing in Our Future
Parents generally don’t have to be convinced of the value of a college education for their children. Studies show that college graduates not only earn more but are healthier, more satisfied with their jobs, and more likely to remain employed during tough economic times.1
How Does Inflation Affect Me?
Are you saving for retirement? For your children’s education? For any other long-term goal? If so, you’ll want to know about a sometimes subtle, yet very real threat to your savings: inflation.
How Will I Pay Estate Taxes?
Estate taxes. It’s not enough to simply know they exist, and to know strategies to minimize them. When it comes down to it, you need to plan how you and your family will eventuaally pay them.
The Estate Tax Dilemma
Estate taxes are generally due nine months after the date of death. …
