60. The minutes in an hour, the year JFK was elected as president, the millions Joakim Noah is paid in his 5 year contract with the Chicago Bulls, and the percent of Americans who have admitted to not having a personal financial budget (NFCC survey). Oddly enough, 100 million U.S. adults have also admitted that not having […]
Would an extra $60,000+ annual bill create a problem with your retirement plan? Your portfolio can be depleted rapidly when a spouse or parent is in need of care if the potential cost is not accounted for in your retirement planning. The perception is that, “I am healthy right now and I won’t ever need care.” The reality […]
We know department stores will have huge sales the day after Thanksgiving, but no one tells us when stock or bond prices are going on sale. Analysts are paid big money to try and predict investment (Stock & Bond) prices, but they are often wrong and much better at hindsight than forecasting. What we know… […]
This is a guest post written by Kimberly Silvestri, President and CEO of Silvestri Services, www.silvestriservices.com. When working with our elderly family members, it pays to be proactive rather than reactive. Waiting for a crisis to occur creates unnecessary stress. Planning early for long term care with your loved ones using Care Management, helps you become […]
The idea of “retiring” is relatively new in this country’s history. It was created by financial institutions about 70 years ago after social security was first set up to transition aging, unproductive workers out of hard labor jobs (making room for younger workers) during the Industrial Revolution. Did you know Social Security was created in […]
If you have a desire to leave money for your spouse or kids, life insurance is the best asset to leave them. Notice I said “asset,” not “investment.” At death, don’t investments morph into just another asset? I think so and I try to convey this to my clients. Life insurance is not an investment, […]
BETTER HAVE MORE MONEY Great news: people are living longer and healthier lives than ever before! Bad news: this means we need more money to allow for those additional years. It would be much easier to plan if we all knew the age at which we would die and worked backward from there. LONGEVITY RISK IS […]
Roth vs. Traditional IRA 8 Important Comparisons Deciding which retirement account type may fit your needs is an important step in retirement planning. The comparisons below provide an overview of the differences between the Traditional and Roth IRAs which may be a good resource for you. Remember…the Contribution Deadline for the 2013 Tax Year is […]
Your IRA or 401k is partially yours and partially the property of the IRS. Unfortunately, the IRS doesn’t tell you what they get until you make a withdrawal. RETIREMENT PLAN REALITY CHECK IRA Balance Marginal Tax Rates Yours […]
We all know that the U.S. Government is $17 trillion in debt and has made trillions of dollars in Entitlement promises for which it has no money to pay. Forgive me if I don’t trust politicians not to come after my hard earned income and savings with new or higher taxes in the future to […]
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