Personal Development Association

08/21/2024

Happy Anniversary to my beautiful wife! I love you 💙🩷

Two years down and many more to go!

05/05/2020

Every donation is welcome.

It is ! The global day to support non profits during the COVID-19 crisis.

Dream Chasers Organization has been significantly impacted during this time through the cancellation of our spring operations. We were gearing up to serve kids in nearly 100 elementary schools this spring through our after school programming and our newly launched classroom personal development programming.

Despite this very difficult time we are determined to continue serving! So, we have developed 6 weeks of FREE online daily lessons to support the efforts of teachers and parents to help engage kids at home.

As we continue trying to serve while fueling operational costs for the Organization, we ask that you
please consider supporting Dream Chasers on this awesome day of giving!

DREAMCHASERS.ORG/DONATE

Link in bio.

04/22/2020

Please share so families have access for NEW DAILY activities and character development...

We now have 5 full weeks of at home lessons for ! Parents, go check it out @ DREAMCHASERS.ORG/FREE

04/09/2020

Amazing article depicting employment recovery in America. Check it out on AdaptFirst.com

Link to the full post is below

“I know what your going to say. “But, Charles, think about it, once the economy opens back up, all of those people will be hired again.” Is that right? It’s possible, but not probable. Here’s some reasons why it may take longer to get back to the prior level than you might think -

Virus Uncertainty - While many politicians are pressuring ...

Bad apples, get rid of them - As companies grow and hire people, inevitably, you get an employee that ...

Forced or Voluntary Retirement - With the economy chugging along nicely over the last 10 years, many Boomers have continued ...

Automation and Technology - I have several friends who travel as a part of their business. The C-19 crisis is calling into question the necessity to travel to service customers and ...”
Charles Freeman, CFA
President of AdaptFirst Investments

We had another shocking unemployment claims number today, and once again, the market has dismissed the data. I’ve written before that unlike the “Efficient Market Hypothesis” might suggest, information is not priced in immediately after it is released.

04/07/2020

Investors - check out today’s blog post (4.7.2020) from Charles Freeman, CFA!

“Beware of the Bear Market Trap

The market has rallied dramatically the last two days, because there was some news over the weekend that the impact of the virus could be easing. Cuomo said the death rate in NY was flat over 2 days, and Italy said confirmed cases grew at a slower pace. Yeah, sounds like an “All Clear!” to me. (eye roll) “

The market has rallied dramatically the last two days, because there was some news over the weekend that the impact of the virus could be easing. Cuomo said the death rate in NY was flat over 2 days, and Italy said confirmed cases grew at a slower pace. Yeah, sounds like an “All Clear!” to me. (...

03/31/2020

Ryan Gehsmann... let’s get the word out...
FREE

02/08/2020

Volunteering at Westover church for the father daughter dance 2020

02/02/2020

What do you want to develop most, yourself or your business ??

01/19/2020

Few investment options on the market are as universally loved and admired as the Roth IRA, and for good reason. Whether you are 25 or 65, this retirement savings vehicle offers several benefits and advantages.
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The Roth version of the individual retirement account lets most investors put away up to $6,000 as of 2019; those over age 50 can put in an extra $1,000 in catch-up contributions. That's the same as with a traditional IRA. The significant differences between the Roth and its traditional counterpart hinge on when you pay taxes and how much money ultimately goes to Uncle Sam.
Financial planners routinely say the truth is, Roth IRAs really are a good choice for people regardless of their age. With Roth IRAs, savers get a tax-free stream of income in retirement. And it's not just the contributions that come out tax-free. Uncle Sam doesn't lay a finger on any of the earnings. That can make for a pretty sweet deal when you're talking about decades of compounding.
Unlike the traditional IRA, which gives investors a tax deduction for the year the contribution is made, the Roth version lets savers contribute after-tax money today and in order to withdraw principal and earnings tax-free at retirement.
"For individuals looking for tax diversification in retirement, the Roth IRA is one of the few buckets they can create that ensures that they have a stream of tax-free income in retirement," says Ken Hevert, senior vice president at Fidelity Investments.
In a pinch, a Roth IRA could provide some quick cash. That's because Roth contributions can be withdrawn penalty-free at any time. The Roth IRA has no required minimum distributions. That means you can live to 120 without ever tapping your Roth IRA. Furthermore, anyone with earned income can keep adding to their Roth IRA account regardless of age.
"In most cases, our analysis has indicated that if you are eligible and have options, the Roth IRA over time is going to deliver a greater benefit in retirement," Hevert says. "The ultimate benefit is in retirement, because they are tax-free and can stay in the tax-free account even longer.”
In a Roth, no matter your age, you'll always have the option to withdraw funds penalty-free to pay for higher education. This means that your account can essentially function as a retirement savings plan as well as a college fund. The one caveat here is that if you empty your Roth IRA to pay for college, you won't have that money available in retirement.
While there are plenty of good ways to spend money, the advantages offered to your future self by utilizing a Roth are pretty much unparalleled. And the sooner you start contributing regularly, the more you stand to benefit in the long run.