Live music in and around The Woodlands LIVE MUSIC CALENDAR
DOSEY DOE BIG BARN 25911 I-45 N., THEWOODLANDS 281-367-3774 www.doseydoe.com July 10 Lil’ Ed and the Blues Imperials, 8 p.m. 11 The Essential Journey Escape Experience, 8:30 p.m. 12 Micky and The Motorcars, 8:30 p.m. 13 Ambrosia, 8:30 p.m. 14 Real Life Real Music presents Camp Showcase, 6 p.m. 15 Joe Burlison’s Uptown Jazz, 7:30 p.m. 18 Jamie Richards Band, 8:30 p.m. 19 Jason Cassidy’s birthday bash and live recording, 8:30 p.m. 20 Shinyribs, 8:30 p.m. 24 Real Life Real Music presents Jack Ingram, 8 p.m. 25 Nakia and The Blues Grifters, 8:30 p.m. 26 The Lao Tizer Band featuring Eric Marienthal, Chieli Minucci and Karen Briggs, 8:30 p.m. 27 Don McLean Band, 8:30 p.m.
August 1 Robbie Fulks, Linda Gail Lewis, Red Volkaert and band, 8:30 p.m. 2 Rusty Young, 8:30 p.m. 3 Delbert McClinton, 8:30 p.m. 4 Pablo Cruise, 7:30 p.m. 7 Real Life Real Music presents Walt Wilkins, 8 p.m. 8 Pauline Reese and Lucas Ebert, 8:30 p.m. 10 Hickory Hill, 8:30 p.m. THE CYNTHIAWOODS MITCHELL PAVILION 2005 LAKE ROBBINS DRIVE, THEWOODLANDS 281-364-3010 www.woodlandscenter.org July 12 Michael McDonald and Chaka Khan with special guest Devon Gilfillian, 7 p.m. 20 Korn and Alice in Chains with Underoath, 6 p.m. 25 The United States Army Field Band and Soldier’s Chorus, 7 p.m. 27 Third Eye Blind with Jimmy Eat World and Ra Ra Riot, 7 p.m.
JULY 25
NAKIA DOSEYDOE
A semifinalist on the first season of “The Voice,” blues performer Nakia plans to celebrate the release of his upcoming album “Blues Grifter” this fall. Nakia performs songs by blues and soul greats such as Otis Rush, William Bell and Howlin’ Wolf. Nakia and The Blues Grifters will perform at Dosey Doe on July 25. 8:30 p.m. $20. 25911 I-45 N., The Woodlands. 281-367-3774. www.doseydoe.com
WORTHWHILE CONVERSATIONS WHAT ABOUT THOSE RETIREMENT “RULES OF THUMB”?
HOW IMPORTANT IS IT TO BE DEBT - FREE WHEN YOU RETIRE? Being debt-free at retirement is popular advice today on radio talk shows and internet blogs. However, it is not a “one- size-fits-all” approach. Not all debt is created equal, so be careful about following these rules of thumb. ARE YOU SAYING THERE IS “GOOD” DEBT AND “BAD” DEBT? Yes, that is accurate. If you are making multiple minimum payments on credit card balances, you probably need a new plan. That is likely “bad” debt. Making early principal payments on a low-rate, fixed interest mortgage so it will be retired on your 65th birthday is not always the best choice. That mortgage might actually be “good” debt. HOW DO YOU KNOW THE DIFFERENCE? Each situation is different. We recently met a couple in our Woodlands office who came in with a very strong motivation to pay off the remaining 6-figure balance on their mortgage, since the husband just received an early retirement severance package. Our analysts modeled their individual numbers, considering their income tax position and other assets. Our advice was to leave the
mortgage alone and continue to make the regular payments. Considering income tax effects and long-term portfolio effects, their long-run financial position was likely to be better keeping the mortgage. They never imagined that the projected long-run improvement in their outcome could be greater than the amount needed to pay off the mortgage today. SO, THE ANSWER IS TO KEEP YOUR MORTGAGE AND PAY OFF EVERYTHING ELSE? No, that would be another rule of thumb. The real solution is to get individually tailored advice from a firm committed to the fiduciary standard, with no particular ax to grind. As Phillip Hamman, CFA, CFP ® , Chairman of our Wealth Planning Committee, stated recently, “We have all the professionals needed to fully address these questions - CPAs, attorneys and other credentialed professionals. We have that team and have been helping clients with questions like this for 48 years.” We are ready to talk and can meet you at our office in The Woodlands. For more information, or a copy of our Form ADV, Part II, with all of our disclosures, call Craig Ivy or Larry Napier at 281 841 0707, or visit www.linscomb-williams.com.
J. Harold Williams, Chairman & CEO, discusses the importance of good advice before entering retirement with the L&W Woodlands team. (Left to right: J. Harold Williams, CPA/PFS, CFP ® ; Paul Vitale (retired); Lauren Rich, CFP ® ; Larry Napier, CPA; B. Craig Ivy, AIF ® )
Linscomb & Williams is not an accounting firm.
1925 Hughes Landing Blvd., Ste. 200 The Woodlands, Texas 77380 281 841 0707 www.linscomb-williams.com
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