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One challenge in managing your money is to balance the right amount of risk in achieving your goals. Take little or no investment risk an you will have to save a lot more money to achieve your savings goal. Take too much, and you may lose principal. Generally, you can take more risk the longer […]
Sometimes perfectionism can be a great motivator. But what happens when it starts to have a negative impact on important areas of your life, like your productivity, your relationships, your physical and psychological health or your career? Today we uncover the traits, symptoms and causes of perfectionism with Dr. Marla Enhelder. We examine the situations […]
The need to replace your paycheck is one key driver in retirement planning. Creating income sources like Social Security supplemented by personal savings to generate additional income determines your level of financial security. How much you save is important as is the return you get on your savings. If you need $20,000 a year in […]
It’s that time of year again. Time to figure out how much you have spent. Determine the areas where you over or under spent and make adjustments accordingly. It’s time to set your spending baseline for next year and contingency plans for reducing spending should taxes rise or unexpected expenses occur. Diane Tegarden author of […]
You have many choices to make in retirement. Some are one time choices, like selecting your Social Security or pension benefits. Many others are ongoing. Once you begin Medicare you will need to make a choice each year during open enrollment. This choice can cost or save you thousands. Lloyd Schneider, an expert in Medicare […]
Risk takes on many faces. Sometimes we need to be reminded of the risks we undertake. For those who have chased yield, it’s time to reassess the risks of junk bonds, MLPs, REITS and other high yielding assets. The past few years have made these assets appear safer than they historically have been. It’s time […]
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Many have seen much of their wealth dissipate over the last several years. A slow economy and massive debt will likely limit returns on investment for many years to come. High unemployment and no salary growth limit what you can save to rebuild your wealth. With rates-of-returns and pay increases stagnant, to rebuild wealth astute […]
Sometimes Americans can be so ‘America-centric’. In the past there was a good reason for this. The US was by far the biggest and fastest growing economy. We had a stable and supportive political system. The US was fiscally sound. Times have changed. We are one of many large economies, our politics are divisive, we […]
Your attitude affects many parts of your life. It affects how people perceive you, your general demeanor and believe it or not, how your investments perform. Your attitude likely has been formed by your experience and education. The financial world teaches you to buy and hold and let the professionals do their business. You may […]
Getting older is part of all of our retirement plans. We just don’t know how old we will get. This leaves many people assuming they will live to 90 or 95 for planning purposes. We fear outliving our money, thus we get some comfort if the numbers work to an old age But, this means […]
We all face change. Sometimes gracefully, planned and well executed. Other times less so. One change we all face as we live longer to transition from working for a paycheck to not working at all, or working at something that driven by passion. What stops us transitioning smoothly – is it fear or lack of […]
Too many people invest and forget. They are distracted from the performance of their investments by the daily tugs and pulls of everyday life. Past wisdom said to buy and hold for the long term and you needn’t worry about your money. However, if you consider the last twelve years as some sense of the […]
The baby boom generation trampling through their life cycle changed society and the economy. They drove the increase in the building of roads and schools. In starting their careers increased financial asset prices through increased income and pension contributions. They increased real estate prices through home purchases and the building of shopping malls. Now they […]
The post The New Retirement – Demographics appeared...
You may be willing to pay a premium for stability and predictability in volatile times. But, how much and what are you willing to give up? Sometimes people over-correct. With the fear of loss overriding sensibility poor decisions can be made. Dave Boike, ChFC, CLU,RFC and author of High Tide: A Practical Guide for Affluent […]
It’s hard to accomplish something if you can’t articulate what it is you’re trying to do. This is where goals come in handy. Once you state your goals, you set your direction. With your direction set, you can begin to determine what you need and how long it will take you. It’s only from this […]
We all face uncertainties in life. Sometimes the uncertain can cause problems, both financially and personally. This is generally viewed as risk. You can’t manage what you haven’t measured and you can’t measure what you haven’t defined. There are ways to define and approach risk to increase your ability to prepare for it and to […]
We’ve all been through transitions in our lives. Leaving home, going to college, starting a new job or family, these transitions can be both exhilarating and frightening. You can tap this experience as you move through your next transition being a career change or an encore career in retirement. Studies show people keeping busy by […]
There is a lot to think about when planning your retirement besides money. Yet, the quality of your life and your anxiety level may be determined by the decisions you make about your money. Will you manage it yourself or hire someone to manage it for you? Do you have a strategic approach to manage […]
Does 7% return on your investments sound good? Is it reasonable? In a low interest rate, low inflation environment amidst all of the economic uncertainty 7% may be a desirable target. John Graves, an investment adviser and author of The 7% Solution will explain how he does it and how you can too. If you […]
Cost and risk will continue to shift to new retirees. This will increase the demand for sound objective advice. Not all financial advisers are the same. John Balcerzak CFP will explain the difference of advisers who have fiduciary responsibility and those who don’t and the things you need to be aware of. He will also […]
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