Our Terms of Use and Privacy Policy have changed. We think you'll like them better this way.

401XkX Coach

The late Sir John Templeton, founder of Franklin Templeton Investments liked to say, "The Four most expensive words in the English Language are ‘This time it’s Different.’"

Is it really?

The National Bureau of Economic Research states that the United States has weathered a recession in EVERY decade since the 1920′s.



It is easy to say “This time its different.” Many people are still feeling that way.
However, it is important to keep in mind a few points.


* Financial decisions (any financial decisions) should not be based on emotion.

* Historically, after every past recession, the market has gone on to hit new highs.

* Declines in the market & economy, even our most severe ones, have been temporary.

* Since 1926, the Dow Jones has had TWICE AS MANY positive returns as negative ones.

Despite more than 12 recessions dating back to 1926, $1.00 invested in the Dow in 1926 would have been worth $2045.00 at the end of 2008.

It was two years ago this week (Oct. 16, 2008), that Warren Buffett wrote his “Buy America, I Am” article in the New York Times. Buffett encouraged investors to “be fearful when others are greedy, and be greedy when others are fearful.” Since Mr. Buffett wrote this letter, the S&P 500 Index has gained 29.1% on a total return basis through the close of business on Friday October 8, 2010, according to the New York Times.

“This time it’s different?” Warren Buffett didn’t think so. Neither did Sir John Templeton. Neither should we. Investing is a long term process. Recessions are opportunities. My job as an advisor is to provide you with a beacon of hope, and see the light at the end of the dark tunnel.

Let me know how I may be of service. Contact me about the IRA Security Blanket!

Help! My 401(k) Has Fallen – And Must Get Up! is my new book. It has several ideas and strategies which will help you in your retirement savings journey. Get your ‘Fallen’ 401(k) back on its feet. Contact me to reserve your copy today. You can also get a FREE report at my website The 5 Biggest Problems With 401(k) Plans – And How To Fix Them.

You may also listen to my weekly radio program – Improving Your Financial Health on WHME-FM in South Bend. Archives can be heard on my website as well. If you live in the South Bend, IN area, I specialize in 401(k) rollovers or IRA reviews. You can also follow me on Twitter, Linked In, or Facebook.

  1. Today's Best
  2. Top Shows
  3. Best of BTR
    1. Loading

      Avengers Age of Ultron First Impression

      Marvel Cinematic Universe Podcast Minicast Age of Ultron Special!

    2. Mayweather-Pacquiao Prediction Day

      Fight fans, the time has finally come. The moment that people never thought would happen is upon us. It is fight week and not only a big fight week, but arguably the most hyped fight week of all time.

    3. All The Gambling Tips You'll Ever Need

      Tony joins Damon to talk about the Mayweather fight, his theory on slots and the oddity of a baseball game in front of 0 fans.

    4. Otherworld Adventures

      We'll remind you “To thine own self be true!” We'll ask does rejection gets ANY easier once you've become successful?

    5. Racials Microaggressions

      This week, Kim Thompson, Stoker, and Kevin Vollmers discuss microaggressions, in particular microaggressions in the racism vein.

    6. So Long, Joe Nathan

      In this week's episode of the Bless You Boys podcast, HookSlide talks Tigers baseball with Rob Rogacki, and chats with Max Rieper of Royals Review.

    7. When My Boyfriend Was A Girl

      They were both looking for love. She is a bisexual woman, he is a transgendered man. What could possibly go wrong?

    8. Ultron Spec Ops is here!

      Hello kids - School is in session. At least for Epic Boss McFall. He gets schooled about the professionalism of the opening, about his lack of knowledge base, and on his dismissal of items.

    9. Racism is no joke!

      Racism is no joke! (until it is) feat Brandon Alexander Johnson

    10. Jordan Spieth's Masters Victory

      Ann recaps Jordan Spieth's remarkable Masters victory and replays classic Sports Innerview shows with Evel Knievel and Jerry West.

    11. ADDiction begins with ADD

      Sean is 22 years old, and is 3 years sober. Sean has an amazing story, including having ADHD, diagnosed as a child, he will share his story related to his ADHD diagnosis, and his addiction.

    12. Murder of A Mafia Daughter

      The Story Behind The Suspicions Robert Durst Murdered Susan Berman-Cathy Scott.

    13. Boxing Champs Make Their Picks

      In this Boxing spectacular, former and current boxing champions make their picks on who would win between Floyd Mayweather and Manny Pacquiao.

    14. Happiness & Authenticity

      Joe is away so Kate is joined by Matt Pavich and Mark DeBonis to talk about the importance of being authentic to your true self.

    15. Shakti Fest 2015

      America's Most Haunted Radio welcomes founder Sridhar Steven Silberfein, kirtan music star Donna De Lory, and renowned yoga instructor Sara Ivanhoe to preview this year's Shakti Fest.

    16. The Travel Summit in Madrid, Spain

      This week Travel Today with Peter Greenberg comes to you from the World Travel and Tourism Council Global Summit in Madrid, Spain.

    1. Loading

      Small Business Unstuck

      Host Barry Moltz gets small businesses unstuck. He has founded and run small businesses with a great deal of success and failure for more than 15 years. This is a business radio show where he shares all the craziness of small business. It’s that craziness that actually makes it exciting, interesting and totally unpredictable.

    2. America's Most Haunted

      Official Internet radio show of forthcoming epic paranormal investigation book by Eric Olsen and "Haunted Housewife" Theresa Argie.