If your family is like ours, you have thousands of digital pictures, videos, and songs on smartphones, tablets, laptops, desktops, iCloud, DVDs, CD’s, thumb drives, camera cards, backup disks, and maybe even some old floppy disks. Together they have become our modern-day equivalent of those dusty old photo albums on dark closet shelves - with a few significant exceptions.

At some point, the Federal Reserve will begin the measured process of raising interest rates. No one denies it. The unprecedented condition of near zero rates must be manipulated back to levels deemed 'normal' and soon as the economy continues to improve. Another undeniable fact is that as interest rates rise, bond prices will fall. So doesn't...

If you knew there were things you could do today to improve your lifestyle both now and in the future, why would you wait? In fact, if you could see into the future to learn how much more wealth you might generate with just a few tweaks and adjustments to your current course to get you on an optimal course, would you act? After all, every day you wait has a compounding effect on your wealth improvement in the long run.