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Is your debt a snowball or an avalanche?

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‘Layin’ it on the line’

By Lawrence Castillo

Guest Columnist

“10% of the people in this world use debt to get richer. 90% use it to get poorer.” -Warren Buffett

Getting rid of debt at any time is a great idea. After all, carrying a heavy debt load is known to cause various psychological and physical ailments...

Do you insure your home? Your car?

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Let me pose this question, do you insure your home?  Your Cars? Your valuable possessions?

Of course, you do.  Why?  You pass that obligation to a risk bearer, an insurance company, because you do not want to be exposed to risk or loss.  It is human nature to wish to protect our possessions if something devastating occurs.

Now let me ask a critical follow-up question, do you insure your investments? Your retirement accounts?  The sad fact is that many people do not take the same precautions for their essential money.

If your investments are in risk-based assets like stocks, bonds, mutual funds, and variable annuities, you may be exposing these investments to market risk. I am...

Oral treatment for COVID-19: The game changer

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There have been a lot of game changers since COVID-19 began - including the virus itself, which has completely upended our way of life, across the globe. For two years we have been in a dead heat, racing against emerging variants, lining our tool kit with the most successful vaccine in human history, collectively postponing big life events to save the very lives we are meant to be celebrating…and so much more. How are we faring in this race? A look back helps define where we are, how far we have come, and why what we do now matters.

The first game changer and the most prolific is of course the ground-breaking mRNA vaccine. A remarkable medical wonder, years in the making, released...

Want peace of mind about retirement planning? Diversify

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“Dollars saved 20 years ago have lost nearly HALF of their purchasing power. Such inflation poses a serious threat to seniors entering retirement, as well as those already in retirement.”

Since 2000, the US dollar has lost an incredible 44.2% of its purchasing power. Reports from the government’s Bureau of Labor Statistics (BLS), the official tracker of inflation statistics, indicate inflation may be worse than we think. Even as interest rates remain at their lowest ever, Federal Reserve policies may be pushing inflation higher.

What does this mean for retirees and pre-retirees?

If you have an advisor or team of advisors, they most likely have mentioned the idea of...

Luján visits Los Alamos, Mora, Las Vegas communities

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Stop includes meeting with wildfire recovery teams

LOS ALAMOS, N.M. — U.S. Senator Ben Ray Luján, D-N.M., met with the Rocky Mountain Incident Management Team 3 at the Cerro Pelado Fire and the Los Alamos National Lab (LANL) Emergency Management Team to discuss fire suppression tactics and burned area recovery efforts for New Mexicans.

The Senator met with these experts as part of his ongoing support for their work to curtail the fire’s progress, safely deploy the resources they need, and develop proactive strategies to deter future disasters.

“We all owe a great debt to the innovative incident management leadership teams responding to these fires on the ground,” Luján...

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