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No. of Recommendations: 10
Don't call me by my first name unless I have known you long and well, and have given you permission so to do. (It is discourteous, and indicates you regard me as a child, not adult.)
Do realize that since I have a postgraduate degree, even though it is not in your field, and have supported myself over thirty years, I am not totally financially illiterate, nor a moron.
Just because I'm over fifty, don't assume that I'm senile or a conservative Republican.
Answer my questions with something other than fluff.
Don't be irritated if I take notes, or ask you what a term or phrase you've used means.
If I say I don't want to invest in nuclear energy or certain specific companies which I consider irresponsible socially in the past or present, I mean it. You may give me facts to support your position, but that doesn't mean I'll immediately change my mind without time to consider them. You have your opinion, I have mine, and since it is my money involved, I have the obligation to avoid what seems hard sell or unwise for me.
Being younger than me can be an advantage for you and for me. Remember, however, that as a middle ager and a Southerner, I have a long view of time and history (over thirty years; in fact, I remember specific details from relatives and neighbors of both the Great Depression and of the Texas and Oklahoma oil and land booms. And busts.)
By all means, do feel free to recommend specific books or areas of investment for me to consider.
Since statistically I am likely to live to a greater age than a male, I do have some concern for my old age.
That doesn't mean that I don't enjoy using a small portion of my liquid cash in something highly speculative shortterm if I know enough about it.
If your advice is going to be only bonds and mutual funds as my cash investment is under $50-$100K, I probably won't come back to pay you another fee. My cash investment portion may seem piddly to you, but I've built it up in the last fifteen years from $35, and used investment proceeds
to pay over $8K year college expenses for daughter for four years, plus put one-third down on acre and mobile, currently two-thirds paid off since purchase a year and a half ago.
Don't talk to me about using margin. Currently I won't. However, options are interesting, and I have made money from rare use of them.
If you know that Your Money or Your Life is one of my favorite books, don't assume that I want to belong to a country club.
(Two reasons why my current cash investment is low, i.e., under $50-$100K investment.)
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