ric edelman

So spread your wealth, and you should be fine. If you do, you can rest easy while the market shudders. Interest rates are cyclical they go up and they go down, ... Trying to ride that roller coaster is silly.

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Even though they may work in college, they weren't making near the money they're making now. They've never seen this much money in their lives.

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You are gambling on tax advantages being present in 20 years when you are ready to withdraw from the contract and I'm not convinced that's going to be true, ... I think that the consumer is generally unaware of certain material facts, particularly the tax risk and compensation issues.

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Never again will you have 200-to-250 people giving you lump sums of money. Consider this a jumpstart on your future. It can help you buy a house sooner than you would have been able to or enable you to avoid the risks of incurring debt as you're starting out. This can give you a huge head start on your goal of building a strong financial foundation, which is the exact reason they gave it to you.

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The overwhelming majority of workers should have 100 percent of their assets in stock, ... It's not risky at all. It's far riskier not to do this.

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Does it help to send people to drunk driving class after they're arrested for DWI

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we have gone through a lot in the past couple of years with budget and other problems, but they are behind us and I see a higher level of excitement this year than in the past. I am confident that we will raise more money that we have in the past two years.

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The people who are taking these loans because it's the only way they can afford their house are exposing themselves to a lot of risk. They're not saving money and they're not building equity, which means they could find themselves in a scenario where they owe more money than their house is worth.

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These things can be helpful when people are there voluntarily. But if they're mandatory, they may consider it punitive something to get through and just put in the time.

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