"A good man leaves an inheritance to his children's children, but the sinner's wealth is laid up for the righteous!"  Proverbs 13:22

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Why Retirees Need Good Credit Scores

Careers & businesses end, but the need to borrow remains. We spend much of our adult lives working, borrowing, and buying. A good credit score is our ally along the way. It retains its importance when we retire. Retirees should do everything they can to maintain their credit rating. A FICO score of 700 or […]

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The Rough Consequences of Not Saving for Retirement

Do you really want to risk facing these potential outcomes? Saving for retirement may seem a thankless task. But you may be thanking yourself later. Putting away a percentage of one’s income, money that could be used for any number of bills or luxuries, is a sacrifice made in the present in order to avoid […]

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The Importance of Financial Literacy

Too few Americans understand personal finance fundamentals.  If only money came with instructions. If it did, the route toward wealth would be clear and direct. Unfortunately, many people have inadequate financial knowledge, and for them, the path is more obscure. Are most people clueless about financial matters? That depends on what gauge you want to […]

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Insurance and Investments

A good financial strategy is not just about “making money;” it is also about protection. Some people mistake investing for financial planning. Their “financial strategy” is an investing strategy, in which they chase the return and focus on the yield of their portfolio. As they do so, they miss the big picture. Investing represents but […]

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How Will You Spend Your Retirement Savings?

Keep an eye on where it goes, as some destinations may be better than others. You can probably envision how most of your retirement money will be spent. Much of it will be used on living expenses, health care expenses, and, perhaps, debt reduction. Beyond the basics, you will unquestionably reserve some of those dollars […]

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Have a Plan, Not Just a Stock Portfolio

Diversification still matters. One day, this bull market will end. Many people invest in the stock market; in fact, many people’s retirement plans, such as 401(k)’s, depend on the stock market to grow. That being said, it’s important to note that investing in the stock market does come with the risk of loss. This article […]

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Combining Your Finances When You Marry

How separate (or intertwined) should your financial lives be? Some spouses share everything with each other – including the smallest details of their personal finances. Other spouses decide to keep some individual financial decisions and details to themselves, and their relationship is just fine. Just as a marriage requires understanding, respect, and compromise, so does […]

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How Much Will You Spend When You Retire?

Will you have enough money to make ends meet?  You may have heard that people spend less once they are retired. Statistically, that is true. The question is whether a retiree has enough income to meet his or her expenses. Ideally, retirees should be able to live comfortably on 70-85% of their end salaries and […]

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Could Insurance Rescue You in Retirement?

Certain kinds of coverage may help to sustain you financially in an emergency. You plan for retirement with expectations in mind. You hope to enjoy a certain quality of life, with sufficient income resulting from smart financial choices. Ideally, your future unfolds as planned. But what if the unexpected happens? Will you have the right […]

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The A, B, C, & D of Medicare

Breaking down the basics & what each part covers. Whether your 65th birthday is on the horizon or decades away, you should understand the parts of Medicare – what they cover, and where they come from. Parts A & B: Original Medicare. America’s national health insurance program for seniors has two components. Part A is […]

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