Kaizen Capsules

IN THIS MONTH’S RECAP:

If you own an Individual Retirement Account (IRA), perhaps you have heard about Roth conversions. Converting your traditional IRA to a Roth IRA can make a lot of sense depending on your situation.

Have a home-based business? Have a teen driver? Consider umbrella insurance.

If you arrange a mortgage, your lender will want you to have homeowners insurance. This coverage is critical for protecting your home and personal property against various potential liabilities.

Q3 QUARTER’S RECAP

• U.S. and China trade uncertainties remain but both sides indicate desire to negotiate
• The Federal Reserve cuts short-term interest rates a quarter percent
• Global equities experienced a fair amount volatility and ended the summer mixed

After initially signing up for Medicare, there are two times each year that you can make changes to Medicare coverage for Parts C and D:

I thought you may find this wealth calculator interesting. It is part of a New York Times series Are You Rich?, and ranks both your income and your wealth based on data collected by the US Census Bureau^1,2.

The growth of exchange-traded funds (ETFs) has been explosive. In 1998, there were only 29; at the end of 2018, there were over 1,900 investing in a wide range of stocks, bonds, and other securities and instruments.¹

IN THIS MONTH’S RECAP:

• Stocks lose ground as trade tensions continue and the Chinese yuan is devalued
• Consumer confidence remains high easing some economic slowdown fears
• Bonds rally, causing yields to fall

THE MONTH IN BRIEF