P.R. Curtman Investments

Down here in Pensacola, we’re no strangers to fishing. Just like finding the perfect fishing spot, investing in dividends requires knowing where to cast your line. You might think snagging a stock with a high dividend yield is like catching the big one. But beware, my friend, not all shiny things in the water are…

It’s tempting to veer towards high-yield investments, thinking they might be the silver bullet to boost our income, especially in today’s low-interest-rate environment. But, as we’ve seen time and again, chasing after those high yields can be akin to sailing into stormy seas without a life jacket. Let’s talk about why that is and sprinkle…

Navigating the low-yield environment we’re in today requires a bit of a shift in strategy for those of us focused on generating retirement income. The days when you could rely solely on bonds and dividend-paying stocks to meet your income needs are getting harder to come by. As yields have dropped significantly since the 1990s,…

When we talk about building a solid retirement plan, especially in sunny Pensacola where the beach life might make you want to retire early, focusing solely on dividend yields is like fishing with just one type of bait. Sure, you’ll catch something, but imagine what you’re missing out on in the vast sea of investment…

In the pursuit of dividends, it’s easy to become enamored with the allure of yields. Yet, this singular focus can inadvertently lead to a lack of diversification, exposing our portfolios to unnecessary risks. Broad diversification isn’t just an investment safeguard; it’s a fundamental principle that ensures the longevity and health of our financial goals. So,…

One of the most significant developments in recent technology is the rise of artificial intelligence (AI). When you ask ChatGPT (a leading AI program) what that means, it says “these computer systems are designed to mimic human intelligence, including learning, problem-solving, and decision-making.”  For small business owners, this can be immensely valuable. Whether it’s creating…

Technology has helped to streamline the way we manage our money, allowing us to perform transactions and monitor our accounts online, instead of needing to do everything in-person. These tools are simple to use, getting better every year, and don’t cost any more than the traditional methods.  But there are risks involved, especially for our…

Retirement Planning: Navigating Downsizing and Relocation Decisions Retirement brings a host of changes, not least of which is reconsidering your living situation. Whether to downsize, relocate, or stay in your current home is a decision that weighs heavily on both financial and lifestyle factors. Understanding how this decision ties into your retirement plans, including your…

As you approach retirement, it’s crucial to have a comprehensive plan for your healthcare needs. This plan should include understanding Medicare enrollment and considering the benefits of long-term care insurance. Both are vital components of a robust retirement healthcare strategy. Medicare Enrollment: Navigating Coverage and Costs Medicare, the federal health insurance program for individuals 65…