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Financial

The New Normal: Banking and Technology

Thursday, 30 October 2014 00:00
Remember the days when you had to actually go into the bank to deposit a check? And then ATMs were invented—and it seemed like magic! Now, you don't even need to leave your home to do your banking, as long as you have a computer or a smartphone. Read more...

12 Small Tips for Big Savings

Monday, 28 July 2014 00:00
Saving money is difficult, with the cost of living constantly rising and our pay scale staying the same. Yet everyone has extra money hiding—waiting to be discovered and saved for the future. The key to finding this money is in breaking bad habits and making some positive changes that are easy to live with and endure. Read more...

5 Tips for Making Tax Time Easier

Tuesday, 18 March 2014 00:00
No one actually likes doing his or her taxes. (Well, almost no one.) As we get closer to crunch time, plenty of folks have yet to organize their receipts, sharpen their pencils, and get cracking. Need a few tips on making tax time easier? We went straight to the IRS for some suggestions on making the most of what may be your least favorite time of the year. Read more...

Personal Finances and Personal Commitment

Tuesday, 04 March 2014 00:00
Personal finances. Ugh! If you’re like me, you’ve viewed managing your finances as a chore and your least favorite thing to do. Neglecting this area of our life can cause financial strain, which leads to stress and conflict and feeling out of control. In December, I made a commitment to take control of my finances by learning how to budget and get out of debt. I enrolled in Dave Ramsey’s Financial Peace University, a nine-week course that promises to teach me how to get rid of debt, manage my money, and spend and save wisely. Read more...

Countdown to Retirement

Tuesday, 21 January 2014 00:00
 As your retirement approaches, you’re bound to have concerns about the changes ahead. Why not put your mind at ease by taking steps to take charge of your new financial reality? In addition to working with a financial advisor to manage your financial affairs, be proactive with the tasks that are within your control to help make a smooth transition to retirement.  Read more...

Who Do You Trust?

Monday, 16 December 2013 00:00
Jim, already retired twelve years, had owned his own welding business. Terry, his wife, ran the household. When we met with them, they pulled out their investment dividend records, as Terry recorded each check they received.   The first meeting was to learn about their existing investments. After three hours, we finally had a net worth statement, but it was like pulling teeth as they had never told any one person about all of their investments. No previous advisor ever saw Jim and Terry’s big picture, as they worked with four different brokers and had twenty-three different investments. During our… Read more...

Countdown to Retirement

Tuesday, 03 December 2013 00:00
As your retirement approaches, you’re bound to have concerns about the changes ahead. Why not put your mind at ease by taking steps to take charge of your new financial reality? In addition to working with a financial advisor to manage your financial affairs, be proactive with the tasks that are within your control to help make a smooth transition to retirement.  Here are three recommended activities to complete over the course of the year leading up to your last day in the workforce: Get a handle on your expenses. Your retirement spending habits will go a long way toward… Read more...

Pay You First

Monday, 28 October 2013 00:00
Who will pay for your retirement? Statistics show that you must plan on providing for seventy-five percent of your retirement income from your savings or investments. Be a smart investor; don’t plan on receiving any government help! Plan to cover one hundred percent of your retirement expenses. Would it be easier to retire if you were a millionaire? How about a multimillionaire? Anyone can become wealthy. However, the younger you are, the easier it is! Starting young is very important. We encourage you to help your youngest relatives and friends to become aware and successful investors. Have no idea how… Read more...
The U.S. Federal Reserve and central banks around the world responded to the 2008 financial crisis by keeping key interest rates at or near zero. But as the economic recovery gains steam, there are signs that rates are on the verge of rising. Given this environment, investors may want to position their portfolios by using a defensive, yet tactical, approach that could help limit the downside while seeking to provide a decent stream of income and return potential. Reduce portfolio duration. Duration is a measure of interest rate sensitivity, representing the percentage change in a bond’s price given a one… Read more...

Investing Basics: What Are Your Options?

Tuesday, 08 October 2013 00:00
Many people believe that the only options in their Individual Retirement Account (IRA) are account type and which publicly traded stocks to choose from. We all want to see our investments grow. With the turbulent market over the past decade, unfortunately, many people watched their retirement funds take the biggest hit of all. Investing basics tell us that it takes knowledge of the market and current market trends to see the greatest gains. But we now realize there are far more variants that could derail even the most well-researched investment.  Traditional brokerage firms have dealt with this, but the reality… Read more...
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