Learn to live within your means and be debt free. Increase savings, invest to grow your money for retirement. Watch out for scams, scums and the schmucks of the financial world. Get more information from books and seek help from financial advisers.

Do not regret growing older. It is a privilege denied to many - Unknown.

Keep in mind, investing involves risk. The value of your investment will fluctuate over time and you may gain or lose money.

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Tax Advantages of HSA Save You Three Ways

Monday, August 16, 2010, AM | Leave Comment

Health Savings Accounts, HSAs, are a good long-term savings vehicle because of their significant tax benefits. When used for qualified health care expenses, HSA offer a triple tax savings: Contributions are tax deductible Grow tax deferred Can an be withdrawn Federally tax free unlike withdrawing from IRA or 401(k) accounts. If your employer offers you […]



Revisit Your Retirement Portfolio For 2010

Tuesday, August 3, 2010, AM | Leave Comment

More than half of the year is gone never to return. We already know we need to stash away some amount of money for retirement while still years away from the more active life [be active in retirement.] But what if you are already living in retirement or close to retirement. What can you do […]



Some Experts Suggest To Retire 401(k)

Saturday, October 31, 2009, PM | Leave Comment

Time magazine online has a humongous – a 5-page description of 401(k) retirement plan – article on the topic of “Why It’s Time to Retire the 401(k)” written by Stephen Gandel dated Friday, Oct. 09, 2009. The author has talked about the plan starting from its inception 30 years ago to the present time. The […]



You Could Put Unused Vacation Days Into Your 401(k)

Saturday, September 26, 2009, AM | Leave Comment

Your vacation or left-over sick days can pay you dividend if your company allows it. It can be any profit-sharing plan for that matter. Let’s hope your company amends its benefit plans to allow it. “The techniques are available for use with all qualified plans, which include 401(k), Keogh and profit-sharing plans but not IRAs […]



Ways to stretch your retirement income

Thursday, September 10, 2009, AM | Leave Comment

Many Americans could see their money dry up before retirement ends. The reason can be shortage of traditional pensions, paltry savings levels and ever-expanding life spans. There are ways to stretch your retirement income. Most financial gurus agree that you reduce spending by at least 24 percent, according to a 2008 study by Ernst & […]



Understand Vital Parts Of The Estate Planning Process

Friday, September 4, 2009, AM | Leave Comment

Understanding vital parts of the estate planning process consists of compiling personal information regarding your assets, and advisers. Search for an Estate Plan Organizer (EPO) in your favorite search engine. This will help you assemble and store your personal and financial information. A typical EPO can be used to store, and later amend, key personal […]



Revisit Your Investment Portfolio For Retirement

Friday, August 21, 2009, AM | 1 Comment

Revisit your investment portfolio for your retirement and make sure it provides enough income to maintain your lifestyle, has liquidity in case of an emergency or unexpected setback, and offers long-term growth potential to help offset inflation and build assets for the future. Such a portfolio includes the following key components: Guaranteed income These sources […]



Be Aware Of The Principle Of The “Operation Of Law”

Friday, August 14, 2009, AM | Leave Comment

Let’s see what the “operation of law” principle is. Just as an example, say you designate your spouse as the beneficiary of your retirement accounts (IRA, 401(k), etc.). Years later, you get divorced and update your will to specify that your account money should go to your adult children. By that act alone, without changing […]



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