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Unmarried Couples: Treading the Tricky Waters of Pooled Finances
For a variety of reasons, many couples, regardless of age, may find themselves living together for a period of time as unmarried partners. If you find yourself in this situation, it’s important to make conscious decisions about how to handle personal and household finances because unmarried partners lack many protections the law extends to married couples.
Putting the Finishing Touches on Your Retirement Symphony
Some composers may spend years, or even a lifetime, to achieve their “masterpiece.” And, most of them will tell you that, quite often, the toughest part of writing music is actually finishing the composition. In many respects, retirement planning is a lot like composing a symphony.
Save money when traveling abroad by thinking like an economist
This may seem innocuous – or even convenient – but agreeing to use your home currency in a foreign land can significantly inflate the cost of every purchase. Thinking a bit more like an economist can help you avoid this mistake, and save a lot of money.
Investing in Your Vacation
Why do most avoid this important investment?
Understanding the FIRE Movement
Financial Independence / Retire Early – Is it right for you?
Financial Tips for Younger Generations
Young adults in their twenties and early thirties face a variety of challenges in their quest for financial security. Some of these challenges are similar to those faced by previous generations, while others are unique to the times.
Market Corrections are Healthy and Beneficial
Because they keep bubbles from forming – but only if you’re prepared.
Dividing the Family Pie: Are Equal Slices Best?
When considering how best to divide your assets, you may believe a policy of “share and share alike” is the best solution. This is perhaps the easiest method, and often the way to avoid conflicts and complaints of discrimination, but does equality necessarily equate to fairness?
Financial Considerations for Single Women
If you’re divorced or separated, money management will become an important part of your life. While it may be true that money can’t buy or ensure happiness, your ability to manage your finances can play a large role in your financial future, and to a large extent, your ability to live life on your terms.
You’ve Graduated - Now It’s Payback Time
It takes four years, on average, to graduate from most colleges and universities. During that time, students can accumulate a large amount of debt. How should the debt be repaid? Are there any plans that can help make payback easier? What if a student can’t find a job right away?
How to Control Holiday Spending
Although the year-end holidays may be a joyous time that reunites old friends and distant family members, one dilemma you may face is how can you avoid the pressure to overspend, yet still have the pleasure of buying presents for your family and friends?
Just Married: Newlywed Estate Planning Cheat Sheet
You’re already sharing a life, now it’s time to share some important info to get your matrimonial journey off to a great start.
A Crash Course in College Savings
The cost of higher education is increasing year after year with increases running well ahead of inflation. So, how can YOUR family build an adequate fund for college?
Avoiding Pension Tension
Think of this. . .when you retire, you’ll have to make an incredibly important decision. If you’re part of your company’s pension plan, you’ll have to choose how you want to receive your pension proceeds - and once you make your decision, there’s no turning back.
Use a Mortgage When Lending Large Amounts to Your Children
Although adult children may earn their own money, the cost of living and the acquisition of such things as a home may be beyond their means. As a result, many parents may want to provide a “lending” hand. While large loans from parents to offspring are quite common, it is important to pay attention to the tax rules that apply to such transactions.
Following Your “Investment Style” Conscience
Many people are very style conscious when it comes to automobiles, clothing, and homes, but may be far less discriminating about their choice of mutual funds. What, you may ask, does style have to do with investing?
Should Retirement Be Hard Work?
Many people think of retirement as a time to travel or pursue special interests—a welcome break from the 40-hour workweek. But without careful retirement planning, you may actually need to work harder and longer than you imagined during your so-called retirement years.
Lending Alternatives for Small Businesses
One of the greatest challenges facing a small company is securing a loan or finding a venture capitalist to fund a planned expansion, modernization, or operation.
Compounding. . .can be in Your Best “Interest”
Compounding, or the earning of interest on interest, is simply a method of making an investment return on a return previously earned. All investors should appreciate the value of compound interest and have an understanding of its operation.
Borrowing Responsibly and Managing Debt
All business owners prefer to operate in the black. But, taking on debt is sometimes necessary as a company expands or when business slows due to economic volatility. Managing your debt carefully can minimize the cost of carrying debt and make it easier to move back into the black when the market improves.
Travel Tips That Save
Americans seem to be traveling more than ever before and are doing so by either flying the friendly skies or sailing the seven seas. While more of us may be flying high or traveling the high seas, most of us would like to avoid the high cost of air and ocean travel.
Analyzing Investment Styles: Growth vs. Value
Growth investors look for stocks that will grow at a high rate for a relatively short period of time or mutual funds that focus on growth stock. Value investors look for stocks that are currently undervalued and are expected to increase to their true value over a longer time horizon or mutual funds that focus on value stock.
It’s to Your Credit
The Fiduciary Rule is Dead
But Clients Should Ask Their Advisor This Simple Yes or No Question
The World of Alternative Investments
What investors need to know
Which Comes First: Saving for Retirement or College?
It’s a question fraught with emotions.
Investing to Gain Pleasure or Avoid Pain?
Using the rules of science to become a better investor
New Economic Realities for Today’s Young Couples
For today’s young couples, the road to the future may look far different than it did for their parents. Their incomes may be less certain compared to those of previous generations, and the demands on their financial resources may be greater.
Potholes in the Road to Early Retirement
Early retirement certainlysounds like a good idea to many people - but is it?
Here's What It Takes to Borrow
When you apply for a loan, remember that lenders look for three ingredients that will lead to a favorable approval of you as a borrower.
25 Financial Tidbits
Some bite-sized food for thought?
Retirement Planning – The Ultimate Escape Room
Musings from a financial advisor...
Risk Tolerance - What’s Right for You?
When it comes to investing, everyone has a different risk tolerance.
Money Management throughout Life Stages
On the way to developing and maintaining your financial well-being, the ability to successfully manage your personal finances will play an important role. A solid financial strategy can help you build a more financially secure future for your family.
Creating Your Own (Credit) History
Because the ability to use credit has become such a large part of everyday life, it is essential to know how to establish credit, maintain a good credit rating, and repair a damaged credit history.
Retirement Income: It Doesn’t Grow on Trees
Most of us can't wait until the day we finally say goodbye to the working world and our time becomes our own. We often dream about how we would like to fill those hours, but unfortunately, we often don't think ahead to the concrete fact of how we will attain the funds to enjoy those times.
A Financial Review Can Pay Off at Year End
Often, what are considered old-fashioned practices, such as performing periodic financial reviews, can lead to greater success in the long run. Why not spend a few hours reviewing your finances?
Is It Time to Refinance?
Over time, mortgage rates fluctuate. Depending on where rates currently stand, now may or may not be a good time for homeowners to consider refinancing their mortgage. How can you determine whether it makes sense at any given point to refinance your mortgage?
The Dangers of Trying to Time the Market
The belief that you, or a particularly talented financial manager, can foresee the direction of the stock market is a seductive one.
Grow Old with Me--Live (Almost) Tax-Free
In addition to considering these lifestyle questions as you decide where your retirement haven will be, you should study the affect of state tax structures on your projected retirement income.
Act(s) to Protect Your Credit
If you've ever experienced problems with credit, here is a list of legal statutes that may offer you some protective action.
A Mountain of Debt to Scale: How will It Affect You?
Many economists agree that debt can be good for the economy. It encourages consumers to spend and corporations to expand and invest in future earnings. The major concern however, is that the riskiest borrowers, those least able to repay debt, are piling it on.
The Importance of Minimizing Your Retirement Risks
With the median net worth of American families showing signs of stagnation and traditional pension plans disappearing, even as the growing number of retirees places pressure on the Social Security system, workers who are currently trying to plan for retirement are facing an uphill battle...
Is the September Swoon Real?
The “September Swoon” is a seasonal trend in the stock market and one that has been well documented by researchers and the press. The fact is, September has historically been the worst month on the calendar for stocks...
Fantasy Football and Investing
Don’t treat your investments like a bad coach runs a football team
Why Don’t We Save More Money?
Saving, Spending, and Paying Down Your Debts
Protect Financial Information from Prying Eyes on the Web
As more and more consumers search for financial information on the Internet, they may inadvertently leave themselves open to being “tracked” by certain companies and individuals.
Marriage Financing for “Generation Xers”
Young adults born between 1960 and 1980, so-called “post boomers” or “Generation Xers,” face a variety of challenges in their quest for financial security—especially those preparing to get married. Some of these challenges are similar to those faced by previous generations, while others are unique to the times.
6 Questions About 529 Plans
What parents need to know about saving for college
Choosing Retirement Investments
Although your retirement date may still be many years off, it is never too early to start your preparation. Yet, many people may spend more time planning their annual vacations than they do planning for their retirement future.
Don't Step Into These Saving Traps
Some behavioral biases seem tailor-made to foil retirement savers. But their ill effects are smaller for those who are aware of them.
Why students need better protection from loan fraud
A college education can set you up for a lifetime – though it can come with a hefty price tag: Some unfortunate students have gotten both a mountain of debt and an education that falls far short of their expectations.
Half of Americans Lack Emergency Savings
Fewer than half of Americans have saved the recommended three months’ living expenses to shield them in emergencies, and women are less likely to have a “rainy day” fund than men.
Back-To-School Shopping List
Why Not A Yearly Retirement List?
Curing Bad Money Behavior
Financial therapy is different from financial planning. Or is it?
A Very Pessimistic View of Bitcoin and Cryptos
The Summer of 2018 is a Graveyard of Cryptos.
Curb Your Runaway Expenses and Still Have Fun
In the ever-changing game of life, expenses are a constant.
Diversifying for a Successful Retirement
If you are thinking ahead to your retirement years, now may be the time to fine-tune and revise your retirement portfolio.
3 Good Reasons to Invest in the Dow
Yes, there's a hint of fustiness to the Dow 30. But the industrials actually do a good job of tracking the market, and might do better in down times.
Facing a Retirement Shortfall
A Positive Plan of Action
Credit Problems May Hinder Job Search
When you are searching for a job, demonstrating relevant experience and acing the interview are important. But they may not be enough to secure the position. Regardless of the type of job you are seeking, you could be turned down by an employer if you bounced some checks at some point or were late in paying your bills.
Aretha Franklin Died Without a Will
And now her $80 million estate is in probate court.
(Not) Home Alone
Recent years have seen more adult children moving back to their parents' homes than ever before after completing college.
Achieving Life's Goals with Cash Flow Alternatives
Developing effective strategies for achieving your goals within the limits of your particular financial circumstances can be difficult. Each stage of your life may create new financial challenges.
Take Time for a Credit Checkup
If you take the time to understand the credit reporting system and monitor the “health” of your own credit profile, it will be time well spent.
ABCs of Investing for College
Invest early. Invest often. Invest for growth. These are the basic principles of saving for your child’s college education.
Managing Debt During Good Economic Times
While low interest rates may tempt you to borrow, miring yourself in debt can slow your long-term financial progress.
Older Americans: Growing Targets of Financial Fraud
America’s older generations grew up in a different world where it was customary to be courteous and trusting. Unfortunately, these exemplary standards of conduct could get some individuals into trouble.
Financial Tips for “Generation Xers”
Young adults in their twenties and early thirties—so-called “post boomers” or “Generation Xers”—face a variety of challenges in their quest for financial security. Some of these challenges are similar to those faced by previous generations, while others are unique to the times.
Inflation and Your Retirement
You hear it all the time: you should make sure your retirement savings at least keep pace with inflation. But what is inflation and how does it really affect your retirement savings? Let’s explore.
Making the Most of Stock Options
If you work for a company whose share price is on an up trend, and whose management favors incenting and rewarding employees with stock options, you might be in an enviable position.
Good Credit: Teach Your Children Well
Many parents teach their children the ABCs at a very young age, but do they teach them the ABCs of good credit?
All You Need to Know About Trusts
Set up trusts to minimize estate taxes, avoid probate, and seamlessly transfer your assets to your heirs.
Retiring Business Owners - Plan for Succession
If you’re a small business owner, you’ve invested a great deal of time and effort into building your company. With day-to-day demands, it may be difficult to imagine your eventual transition into retirement. Yet, if you want to build personal financial security and ensure business continuation, it is important to plan ahead.
The Tax Advantages of Purchasing Annuities
As you are planning for your retirement, you may be considering purchasing an annuity, which can provide you with a steady flow of income for a limited period of time, or for the rest of your life.
Unpaid Student Loans May Result in Docked Social Security Checks
If you are considering student loans for yourself or a family member, think carefully before you sign on the dotted line.
Social Security's Future is Safe
Social Security is the bedrock of Americans' retirement income security.
Life Insurance: How Much Is Enough?
Without a doubt, it is important to have enough life insurance coverage to handle the financial contingencies that may affect your family in the event of your death. However, determining the necessary amount of life insurance is not that simple. One past rule of thumb was that you should have enough life insurance to equal five times your annual salary.
How Difficult Is It To Talk With Your Family About Money?
Some families have no problem discussing money. For the rest, use these tips to get your family on the same financial page.
5 Big Problems to Solve Before You Retire
Retirement should be a reward for years of hard work, and you don't want to have to pinch every penny. You should be able to do the things you couldn't when you were punching a clock every day.
Acquaint Grown Children with Your Financial Affairs
Many parents may feel it is unnecessary to inform their adult children about their personal, financial affairs. However, as your children grow older, it can work to your advantage-and that of your entire family- to share with them key financial, medical, and estate planning information.
Divorce – The Retirement Killer
Worse for baby boomers, worst for women.
Retirement Planning: Investing in Your Health
Do you have $400,000 ready for health care costs?
Aging Parents & Money
Getting old is hard. Your parents' ability to manage their own finances may decline as they age. Helping them with money matters is a sensitive issue you need to approach carefully.
10 Things You Must Know About Medicare
Heading into your retirement years brings a slew of new topics to grapple with, and one of the most maddening may be Medicare.
Retirement: A Community Audition
America's Changing Vision of Retirement
Accentuate Your Pension
Retiring well is the best reward for a lifetime of hard work. But a successful retirement doesn't just happen--it is the result of careful planning.
Americans are Retiring With Less
Survey finds that 44 percent of Americans are still paying for their home when they retire.
Being Realistic About Retirement
Everyone has certain expectations and dreams about retirement. Will your current plan meet your ultimate objectives?
Gender Differences in Retirement Planning
Women often face more financial challenges than men as a result of lower salaries, prolonged career breaks, and relative longevity, according to a study recently published by the BMO Retirement Institute.
Are You Planning An Early Retirement?
As your 62nd birthday approaches, the dream of early retirement may be a possibility.
Countdown to Retirement: Strategies for Saving in Your 50s
Many retirees today are redefining the "golden years." Forget about endless days of leisure. Retirees seek adventure, travel, and new business pursuits. While these changes may redefine retirement, will retirees be able to finance their plans?
Beyond Your IRA: An Alternative Way to Save for Retirement
A financially secure retirement is a major concern of many Americans, both young and old. Studies have shown that you will need about 80 percent of your pre-retirement income to maintain your standard of living.
IRA Q & A
Although tax laws have made the Individual Retirement Account (IRA) a highly regulated retirement savings vehicle, the IRA remains the cornerstone of everyone’s retirement planning providing essential flexibility in protecting assets.
Perfecting Your Recipe for Retirement
Although your retirement date may still be many years off, it is never too early to start planning for the day when you can say "good-bye" to the working world. Yet, to be financially secure, you need to create a plan that will maintain or enhance the quality of your life in the future.
Paving Your Road to Retirement
Whatever your age, it’s never too soon to look ahead and begin giving thought to your retirement. With proper planning, you can make the transition to retirement a smooth, comfortable and secure ride.
Is Your Retirement Highway in Need of Some Roadwork?
Somewhere along your road to retirement, you should pull to the side and look at your “map.” Will your road to retirement be a smooth one or filled with potholes? How far down the road is your retirement and have you packed enough financial resources to last the journey?
Early Retirement: Is It Still Viable?
Many people may plan to take an early retirement or circumstances out of their control may force them to make that decision. Either way, with life expectancies steadily increasing for Americans, it’s possible that an individual could spend at least one-third of his or her lifetime in retirement.
An Overview of Workplace Retirement Plans
Americans are living longer, and this may mean enjoying retirement for a longer period of time than ever before. Consequently, retirement assets must last longer and accommodate increases in the cost of living.
A Retirement Plan That Makes Tax Sense
One of the more popular types of retirement plans in use today is a 401(k) plan. One reason for their appeal is that employees are allowed to save part of their pay each year, tax deferred, by contributing to various investment funds within the plan.
Stretching an IRA into Future Generations
Imagine that you could wave a magic wand and turn your new grandchild into a millionaire for a head start in life. Believe it or not, even a relatively modest amount tucked away using a “stretch” IRA strategy could, under certain market conditions, evolve into a rather substantial nest egg that your grandchild, or other beneficiary, may enjoy in years to come.
Thinking Ahead for a Secure Retirement
Since Americans are now living longer than ever before, many into their 80s and 90s, retirement resources may need to last 20 years or more.
Updating Your Will Can Contribute to a Relaxing Retirement
Whether you are decades or months away from retirement, it may be prudent to review your will whenever there is a significant change in your family circumstances or finances. To stay current, revisit your will at least once every five years to help ensure your estate tax strategies are on track, and that your assets will be distributed according to your wishes.
Why Should You Start Saving for Retirement Now?
You are busy dealing with life’s day-to-day issues. To you, retirement may seem like a long way off. But preparing now for your financial future is essential because what you do today can help ensure a secure retirement tomorrow.
Finding Your Way through the IRA Maze
You’re certainly not alone if the words Individual Retirement Account (IRA) cause your mind to spin in confusion. The original IRAs were mind-boggling enough. However, now you have several options, including what many have called the “American Dream” IRA—the Roth IRA. Let’s take a moment and ferret out some of the nuances on the IRA landscape.
Crossing the Bridge into Retirement
It’s fairly common for discussions of retirement planning to focus solely on the financial aspects of securing a comfortable retirement. But, few individuals may take the time to consider the nonfinancial issues of retirement.
A Checklist for Retirement Planning
The time to begin planning for your financial future is now. So, when it comes to preparing for retirement, the earlier you start, the better.
Assessing Your Retirement Resources
How resourceful can you be during your retirement? Determining where your retirement money will come from is an integral part of planning for retirement. Most people draw on three main sources of income: Social Security, employer-sponsored plans, and personal retirement savings. Each offers important resources that can help you fund the lifestyle you seek in retirement.
America’s Changing Vision of Retirement
Retirement planning is a primary reason for long-term saving, and when people think about retirement, finances are often the focus. However, it is important to also look at the nonfinancial aspects of transitioning from the world of work to the world of leisure. Specifically, lifestyle changes and self-esteem issues associated with the loss of your professional identity may create difficulties. As you’re preparing strategies for your future well-being, give some thought to the kind of retirement you envision for yourself.
Add Flexibility to Your Pension Plan
As you are approaching retirement, one of the primary decisions you need to make is what kind of payout to take from your company’s pension plan: single life, which lasts for your lifetime, or a joint and survivor option, which lasts for your life plus that of a designated beneficiary, usually your spouse.
A Baby Boomers Lack Confidence in Their Retirement Readiness
Less than one-quarter of baby boomers say they are confident they are ready for retirement, and just over one-half report having any retirement savings at all, according to the results of a survey conducted by the Insured Retirement Institute (IRI).
The Triple Tax Benefits of Health Savings Accounts
When planning for retirement, most Americans think mainly about using tax-advantaged savings vehicles like 401(k) or individual retirement accounts, while failing to consider the triple tax advantages associated with saving for future health care costs using a health savings account, or HSA.
The Financial Planning Process: Why and How
Planning personal finances used to be the worry of the wealthy and their worry—usually preservation of wealth—was attended to by teams of trust officers and lawyers. Many of today’s middle class families have different concerns: funding retirement; educating children; protecting assets; and coping with unexpected changes in health, employment, and marital situations. But, whether your goal is to build or protect assets, the sooner you start, the better.
The Big Transition to Retirement
Successful business owners and executives may have spent years building their business or a career, and along the way, if they've done things right, they've planned financially for retirement. If you have reached the point where retirement is feasible, you should be thinking about a transition strategy.
Roth IRAs for Kids
It may be difficult to convince your teenagers to participate in their financial futures, but if you can persuade them to contribute at least part of their babysitting or after-school job money to a Roth Individual Retirement Account (IRA), they may thank you later.
Playing by the IRA Rules
Individual Retirement Accounts (IRAs) offer favorable tax-deferral benefits to individuals who are saving for retirement. But with those benefits, there are certain rules about when distributions may be taken to avoid penalty taxes. Contributions to a traditional IRA, depending on your income and participation in employer-sponsored plans, may entitle you to certain current income tax deductions. Further, because your funds are not taxed until distributions begin, your savings have the potential for tax-deferred growth. Generally, IRAs are designed to work as long-term savings vehicles, but you may be able to withdraw funds early and without penalty, provided your situation qualifies as an exception.
Employer-Sponsored Plans: Helping Americans Prepare for Retirement
People who save through employer-sponsored plans are more likely to feel prepared for retirement than those who do not, according to the results of the 22nd annual EBRI Retirement Confidence survey in 2012 sponsored by the Employee Benefit Research Institute (EBRI) and Mathew Greenwald & Associates.
Gearing Up for the Golden Years
Will you have enough money for your retirement? This is a major concern facing many Americans, as retirement looms closer on their financial horizon. If you’re facing a retirement shortfall, you’re not alone. Many American households may retire on less annual income than they may need to live comfortably during their “golden years.”
Easing Into Retirement
For many people, crossing the bridge into retirement is a big step. If you’re approaching retirement, it’s time to develop a strategy to facilitate a smooth transition from the more structured world of work to one of leisure.
If You Wait Too Long It's Costly!
If you have a substantial amount of money in your company's retirement plan, one of the more dreaded taxes you may face is the 15% excise tax.
Is the Roth 401(k) an Option for You?
Since it first became available in 2006, many employers have added the Roth 401(k) to their benefit packages as a retirement savings option. A Roth option is available for Individual Retirement Accounts (IRAs) and 401(k) and 403(b) accounts. To see if a Roth 401(k) would be appropriate for your situation, let’s take a closer look.
Focus on Your Retirement Now
Does your retirement seem years and years away? While it may feel this way, you owe it to yourself to look ahead and begin giving thought to a time in your life that may account for 20 or more "golden" years and may in fact, be closer than you realize.
Pension Payout Options
When you think of retirement, you probably envision the enjoyable ways you will spend your free time. But, you may also want to give some thought to receiving your funds while in retirement. If you participate in a company pension plan, you will have to decide how you want to receive your pension proceeds. Consider your payout options, so when the time comes, you can make the choice that is most appropriate for you.
Debt is Increasing Among the Elderly
And this is a problem for retirement readiness that needs to be addressed
Getting Up to Speed as Retirement Draws Near
As you approach retirement, many important decisions await you. If you have a qualified employer-sponsored retirement plan, whether it is a traditional pension or defined contribution plan, such as a 401(k), you will have to decide how to manage the plan’s proceeds once you retire. Your choice may depend on the following considerations: your current financial situation and your projected income requirements; the health and life expectancy of you and your spouse; the anticipated inflation rate; and Federal and state taxes.
Early Retirement: Is It Still Viable?
Many people may plan to take an early retirement or circumstances out of their control may force them to make that decision. Either way, with life expectancies steadily increasing for Americans, it’s possible that an individual could spend at least one-third of his or her lifetime in retirement. So, the sooner you begin planning for your exit from the labor force, the greater your chances of taking a comfortable, early retirement.
If Social Security Falls Short: Have a Plan
Are you worried about the current state of the Social Security system and how its future may affect your retirement income? It’s important to take a long, hard look at your current savings strategy to ensure you’ll be able to compensate for this, or any other, retirement income shortfall. Here are some important savings strategies that can help you reach your retirement income goals.
A “Recipe” for Retirement Savings
Do you ever dream of the day when you can retire and pursue your interests, travel, or simply relax from the pressure of the daily grind? In the past, retirement planning was a simpler process. Many retirees could count on employer-provided pension plans coupled with Social Security to furnish an adequate post-retirement income. Unfortunately, these two sources no longer provide sufficient funds for most people to maintain their pre-retirement standard of living.
5 Big Problems to Solve Before You Retire
Unless you have a solid game plan in place to address these five potential problems, you are not ready to retire.
A Roadmap to Retirement
If life is a journey, retirement is the destination where one hopes to enjoy long-awaited rewards for years of hard work. Yet, like any other life goal, a comfortable retirement doesn't just happen, it requires careful planning. And to date, most Americans are slow to take action.
3 Retirement Savings Choices
We’ve all been there: scratching our heads wondering what to do with all the retirement savings accounts. Too many choices can be overwhelming, until you step back and realize that there are actually only three questions.
10 Things You Must Know About Medicare
Heading into your retirement years brings a slew of new topics to grapple with, and one of the most maddening may be Medicare. Figuring out when to enroll, what to enroll in and what coverage will be best for you can be daunting. To help you wade easily into the waters, here are ten essential things you need to know about Medicare.
Understanding Interest Rates and Your Financial Situation
When discussing bank accounts, investments, loans, and mortgages, it is important to understand the concept of interest rates. Interest is the price you pay for the temporary use of someone else’s funds; an interest rate is the percentage of a borrowed amount that is attributable to interest. Whether you are a lender, a borrower, or both, carefully consider how interest rates may affect your financial decisions.