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FINANCIALLY FOCUSED

August 2023 Newsletter

We have been having a lot of conversations about interest rates as we have seen rates increase to amounts not seen in many years. And like most changes, there are both “Pro’s” and “Con’s” to take into consideration:

Pro’s: Savings rates can be much higher, Such as Bank Accounts, CD’s, Annuity Rates and Bond’s, rewarding the savers and potentially helping people earn more who are using savings for retirement or retirement income.

Con’s: Any type of Debt or Loans, such as Mortgage’s, Auto Loan’s, Personal Loan’s or Credit Cards. The rates are much higher which means using or having to use these products means a much higher cost to the end user.

So with these “changes”, plan out accordingly and as best as possible, keep Your Money working as best as possible for You and try to avoid the emotions trap, decisions based on either fear or greed.

The month of August is known as the month of Travel & Holidays, whatever You have planned for the month of August please make the most of it and travel safely!
As always if you have any questions feel free to reach out to us at any time as we are always happy to help.

Thank you!

Don’t Underestimate these Retirement Expenses

As you head toward retirement and your excitement grows, don’t forget to consider your likely retirement expenses. An AARP article, 10 Biggest Expenses in Retirement, has some interesting information about retirement expenses.

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The Sun Rotates Just Like the Rest of Planets

Even though the Sun isn’t solid like Earth, it still has a rotation as the plasma swirls around its surface. On average, it takes 27 Earth days for the Sun to rotate once on its axis, but different parts move at different speeds. The equatorial regions take just 24 days to rotate and the polar regions more than 30.

Financing Options to Help You Ride the Mortgage Rate Roller Coaster

The mortgage industry has been on a roller coaster ride over the last couple of years. Interest rates for fixed-rate mortgage loans were at historical lows during the beginning of the pandemic in 2020, rising to a 20-year high in late 2022 — and fluctuating ever since.¹ Many buyers are finding it difficult to afford a new home with traditional fixed-rate mortgage loans in such a high interest rate environment. As a result, more buyers are relying on alternative financing options to help lower their interest rates.²

Read More

Sheet Pan Chicken Fajitas

Making a whole recipe on one sheet pan is perfect for meal prepping. For these fajitas you simply toss all of the ingredients—chicken and vegetables—in an easy marinade of avocado oil and taco spices like cumin and chili powder and then bake it all together on a sheet pan.

Get Cooking!


310 Marlboro Street Keene, NH 03431 Ph: (603) 357-1084 Email: info@optimumfhb.com Web: http://optfinancial.com/	Follow Us On Facebook Follow Us On LinkedIn

https://www.nhm.ac.uk/discover/factfile-the-sun.html

Advisory services are offered by Optimum Wealth LLC a Registered Investment Advisor in the State of New Hampshire. Insurance products and services are offered through Optimum Financial LLC dba Optimum Benefits, an affiliated company. Optimum Wealth LLC and Optimum Financial LLC are not affiliated with or endorsed by the Social Security Administration or any government agency, and are not engaged in the practice of law.

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