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Rall Capital Blog

The Equifax Hack: What You Should Do Now

Maybe you were distracted. There’s been a lot going on. With two major hurricanes hitting the U.S., threats of nuclear war from North Korea, the continuing dysfunction that is Washington, D.C., and the start of a new football season, you could have missed the details on what is possibly the biggest story ever related to […]

Some Guidelines for Donating to Hurricane Harvey Victims

A natural disaster like Hurricane Harvey, which wreaked havoc on Texas last week, brings out the best in people. In the wake of one of the worst storms ever, we saw many examples of neighbors coming together to help other neighbors. We also saw volunteers come from across the country to do what they could […]

Don’t Recognize the Number? Don’t Answer the Call!

One of the first steps of the financial planning process is to make sure that you have properly protected your assets. Usually, we are talking about making sure that you have the appropriate insurance coverages in place. You buy life insurance to protect your loved ones if you pass away; you buy health insurance to […]

Don’t Chase the Hot Dot—How We Invest, Part Three

It’s so obvious that you may not have even noticed it. It’s the paragraph that is part of the paperwork for every investment account that you open with an advisor, brokerage firm, bank, or insurance company. It makes so much sense that you acknowledge it and move on, barely giving it a thought. It’s obviously […]

Which Type of Medicare Advantage Plan Is Best for You?

What to do about health care is one of the major decisions that everyone faces when getting close to retirement. A lot of people delay retirement until they reach age 65 because they don’t want to lose their employer-sponsored health plan. Even if they are financially able to retire, they will often continue to work […]

Should I Pay Off My Mortgage?

Picture this: Through your hard work and discipline, you have accumulated a relatively significant amount of savings outside of your retirement accounts. You have more than enough cash set aside in your emergency fund, which is your safety net, and you are thinking about whether you should use some of your excess savings to pay […]

The Different Flavors of Risk

When we look at the performance of the investment markets so far in 2017, something seems to be missing. We know that it’s there. We can feel it. But we just haven’t seen it in a while. Our monthly and quarterly statements look pretty good, and most of the asset classes we own are doing […]

Medicare—Which Path Is Right for You?

Enrolling in Medicare is not a simple process. As you approach age 65, there are several decisions that need to be made. Making a wrong decision, based on your circumstances, can have a big impact on your finances and your health insurance coverage. In the first part of this series on Medicare (Medicare Enrollment—Not As […]

A Reversal on Reverses? Not Yet, But Getting Closer

I first learned about reverse mortgages approximately 20 years ago. I was working for a major Wall Street brokerage firm, and it was common practice for financial product wholesalers to visit our offices and pitch their product to us, hoping that we would introduce it to our clients. Reverse mortgages were a pretty new concept […]