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Secured Retirement Financial Blog


We help individuals and families work toward achieving their ideal retirements.

Parental Financial Socialization

By Joseph Lucey | December 7, 2016 |

“Parental financial socialization” is an ominous-sounding term that basically describes parents who freely and openly discuss money matters with their children. Parents can have a tremendous influence on how children value and manage money, and those values are often carried over into adulthood. Parents who assist an adult child financially can cause dependency issues, while…

Fed View on Interest Rates

By Joseph Lucey | December 6, 2016 |

In October, Federal Reserve Vice Chairman Stanley Fischer offered remarks concerning the state of the U.S. economy and some reasons for sustained low interest rates. He observed that the real interest rate could be considered the price that balances the economy’s savings reserves with its investment demand. To explain why interest rates are low, he…

Tempering the Type A Personality

By Joseph Lucey | November 30, 2016 |

There are pros and cons to being a Type A personality, but some of those traits can be detrimental to your health. Here are a few characteristics: Competitive Persistent sense of urgency in everything they do Have difficulty relaxing because it’s not a measurable goal Try to squeeze a task into every possible minute Measure…

Fast Food Companies Investing in Healthy Choices

By Joseph Lucey | November 29, 2016 |

Fast food is making a push to get healthier — and also more upscale. Fast food joints like McDonald’s and Burger King have already added some healthier options to their menus, while national chains like Panera are gaining market share as the population leans toward healthier food choices. Panera has been swift to accommodate to…

Does Brain Training Help?

By Joseph Lucey | November 28, 2016 |

There’s some debate over the plasticity of the brain and whether it’s possible to train the brain to ward off age-related cognitive issues like dementia. One research physician recently explained that cognitive decline is a result of the brain getting smaller as people age. There are several reasons the brain shrinks over time, and some…

Options for ‘Cord Cutters’

By Joseph Lucey | November 23, 2016 |

If you’re not a big fan of paying extra for TV channels, you’re not alone. Currently, 9 percent of Americans have never subscribed to a cable or satellite service. Another 15 percent have cancelled their service — which means nearly a quarter of Americans aren’t paying those big monthly bills. However, that doesn’t mean viewers…

American Labor Unions Still Present

By Joseph Lucey | November 22, 2016 |

According to the U.S. Bureau of Labor Statistics, 14.8 million American workers were members of labor unions in 2015. That number hasn’t changed much from 2014, but it is a significant decrease from 1983, the first year for which comparable union data was available. More than one-fifth of the U.S. workforce (17.7 million people) were…

The Problem with Predictions

By Joseph Lucey | November 21, 2016 |

In his 1949 novel titled “1984,” George Orwell made ambitious predictions about things that would exist 35 years into the future, such as technological innovations in surveillance technology, speech-to-text software and missile detection systems. Many of those things became a reality during that timeframe. In 2007, a report by NBC Nightly News made predictions for…

Holiday Rewards Shopping

By Joseph Lucey | November 16, 2016 |

To help save money this holiday season, take a look at how many rewards points you’ve accumulated on your credit cards. If you’re not saving them for airline tickets, browse the company’s rewards website to find out what other goods, services and gift cards you may be able to exchange them for. If you have…

The Multifactor Approach

By Joseph Lucey | November 15, 2016 |

The multifactor approach to investing combines multiple variables, like size and volatility, with the goal of achieving more consistent performance over time. The idea is that when one factor is underperforming, the other factor may be outperforming. There are merits to various approaches to investing, whether you’re seeking out lower volatility or larger returns. However,…

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