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Is retirement a right or luxury? The goal for many working Americans is to retire, but some would like to retire earlier. What’s a reasonable retirement age? 45, 50, 55, 60, 70 never? Of course, that’s up to you — if you’re willing to work hard. Retiring early or achieving your financial independence can be […]
Reducing debt can be hard work. Especially in today’s economy with job losses, gas prices all over the place, government actions that leave us guessing. It’s no wonder that many American’s are up to their eyeballs in debt. Debt is a lot like sleepwalking; you just wake up and have no idea how you got […]
If you’re just starting out with your savings, then you should begin with setting up your retirement plan first. Rebalance is the next step after you set up your retirement plan. If you have a current 401(k) plan through your employer, then you probably are dealing with the question, “to rebalance or not to rebalance?” […]
Is smart investment advice priceless? How can you put a price on smart investment advice? How can you afford not to pay for smart investment advice? Isn’t attempting to make money the reason people enter the investment world? If it’s too good to be true, is it? Investment money isn’t easy. If it were, more […]
You want to keep things simple. You tried to keep things simple. Sorry, it’s not going to be so simple. When you die, you just want your heirs to get what’s left, right? But what happens if one of your heirs dies before you? Will the money get split up between the remaining heirs? Or […]
How many different flavors of ice cream can you name? Now, how many different brands of ice cream can you name? What does ice cream have to do what investing? First a definition of diversification. According to the website Investopedia.com, since we all search for our answers online. Says, “Diversification is a risk management technique that mixes […]
Bankruptcy is a sunk ship. Avoid getting on the Titanic in the first place. Know what to look out for and plan accordingly. Medical Costs The number one reason people file for bankruptcy is medical costs. Harvard University’s research indicates that roughly 62% of personal bankruptcies occur for this reason. Although you cannot avoid getting sick […]
A financial advisor is the quarterback of your professional team when it comes to saving for your child’s education. Sending a child off to college can be one of the happiest and satisfying days in a parent’s life. The joy of planning for college can also be met by stress if the family is not […]
Making the decision to invest into your company’s retirement plan can be very important to the success of your retirement. Your employer may offer a 401(k), 403(b) or other types of plans to help you succeed and reach retirement. They may offer a match, which is very often only achieved if you contribute a certain […]
Getting from here to there. Here are 10 ways that you can save more and reduce your taxes. Some of these points may work well for you and others may not. If you walk away with one or two ideas then you’re on the way. Save more into a Traditional IRA, 2012 contribution limits are […]