Global economic outlook

Global equity markets remain under extreme pressure amidst a perfect storm of collapsing global economic indicators. The news is pretty grim and will likely be for awhile, but remember that "it's darkest before dawn", which suggests things will improve in time. We agree, particularly given the coordinated efforts of governments, business leaders and consumers.

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Why create a bucket list?

Most of us love the concept to travel, but seldom get to the places of our dreams. We typically spend a few hours thinking of places to visit and scour the internet for deals or call a travel agent and ask for prices.

Creating a bucket list is not only fun, but will provide you with a ready source of amazing ideas and not yet another Florida or Dominican jaunt.

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How to protect your capital

We continue to witness extreme volatility as stock markets around the world deal with significant economic stress.One of the underlying issues is that markets are deleveraging after the accumulation of enormous debt. The bottom line is that the US, Eurozone and other developed economies have too much debt relative to their productive output.

Interestingly we have noticed a trend increased globalization, which has resulted in developed nations closely tracking one another. This has investment implications because numerous countries now move in tandem with good or bad news, whereas before simple diversification meant portfolio volatility was minimized.

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TriDelta Alzheimer's Challenge

This newsletter marks our official launch of the TriDelta Challenge for Alzheimer Research.

At TriDelta we focus on the goals and aspirations of those approaching or in retirement and increasingly see the effects of Alzheimer's. We see many clients that have worked hard, raised a family and are looking forward to their retirement - just as one of their parents becomes increasingly dependent due to the disease. It completely changes the lives and adds expense to the parents and often their children.

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How to get a good snooze

There is nothing better than a good night's sleep, but many people suffer from insomnia and their anxiety grows with every succeeding restless night spent on their backs staring up at the ceiling.

Help is at hand in the form of The Essential Guide to Deeper Sleep written by Michelle Crouch and published in the Reader's Digest.

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Mortgage Rates Drop Again - Now May be Time for Action.

If you currently have a mortgage, now may also be a good time to refinance or to lock in rates. While short term rates will remain low for some time, the ability to guarantee yourself a rate of 3.19% in 2015 and 2016 will likely prove to be a great financial move.

Please click on this link here to see our incredibly low mortgage interest rates.

Call us to find out how we can help.

Jay's book pick

The last time I picked up a book that didn't have to do with insurance was two years ago. I went to Indigo and looked for one of my favorite childhood authors: Ken Follett. As soon as I started to read the description of his latest novel, a voice next to me (loud enough for the entire store to hear) yelled: "DADDY....I HAVE TO USE THE BATHROOM!" Needless to say, I didn't get the novel I wanted. I instead bought a Thomas the Train book for "someone" else!

So - The novel for this review is something I read when I was younger: the classic EYE OF THE NEEDLE by Ken Follett. If you like history with a spin, it's a great read.

It is 1944 and weeks before D-Day. The Allies are disguising their invasion plans with a fake armada of ships and planes. The Allies plan would be ruined if an enemy agent found out... which is exactly what happened. Hitler's prize agent, "The Needle", does just that. Hunted by MI5, he leads a murderous trail across Britain to a waiting U-Boat. But he hadn't planned for a storm-battered island, and the young woman who lives there.

After reading this book, I recall asking my parents if I could buy a Stiletto. Read the book and you'll know what I'm talking about.

By Jay Bernbaum - TriDelta Insurance Solutions

Jay's movie pick

Being an extremely picky movie watcher, I took to the internet to review what movies I had seen this past year (you may sense a theme): Rango, Kung Fu Panda 2, Barney's Version, Cars 2, Captain America, Transformer 3 and The Smurfs; With the exception of Barney's Version, (we're not talking about highbrow Oscar winning films here), BUT if you want a fast-paced movie that entertains, watch LIMITLESS with Bradley Cooper.

The story centers on a down-and-out writer who gets his hands on a top-secret pharmaceutical drug that makes a person smarter. He experiences sudden financial and social success but soon discovers that the drug has lethal and lasting side effects. Before long, mysterious antagonists are pursuing him.

I know, I know - it sounds ridiculous but if you're sitting at home on a Saturday night with nothing to do, rent it on demand or at your local video store. Add a bucket of microwave popcorn, a candy bar and soft drink (or something a little stronger), and you'll thank me on Sunday.

By Jay Bernbaum - TriDelta Insurance Solutions