Sometimes, as personal finance writers, we get carried away with the idea that everything needs to be saved, saved, saved. All the time. But personal finance isn’t just about building up emergency funds and maxing out retirement plan contributions. It should also be about learning to enjoy life a little bit right now. It’s nice [...]
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In these financial times, many people are looking for ways to get a little more cash — usually in lump sum form. The thinking is that a lump sum could pay off debt, or cover medical bills. For those receiving some sort of settlement payment, or receiving annuity payments, it is tempting to turn to [...]
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Depending solely on other people for your investment decisions can mean dying a slow death.
Over the last few decades, the switch from employer-managed pension plans to self-managed retirement accounts (i.e., IRAs and 401k’s) has turned each person into his or her own pension fund manager.
Financial advisors often compare this switch to a scenario in which [...]
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Do you lie?
I was taught that lying can be appropriate in certain situations. These “white lies”, as we call them, often keep the zen flowing in relationships, while other times, they can help encourage others and give them the much needed confidence to improve themselves.
But we go too far. We really do, especially when it [...]
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A Mcdonald’s combo now costs $7 but it used to be less than $5. Then again, the McChicken sandwich used to cost $2.45 and it’s only a buck now.
Inflation is a phenomenon that most people hear about often. The media reminds us of it, our financial planners talk about it and if you need a [...]
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Seriously.
You think I’m just joking, but retirement is no laughing matter unless you already accumulated millions and retired early (in which case you can laugh out loud 24/7). I think everybody should max out their Roth IRA, right now.
Here’s why.
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Hindsight is 20… Okay, we know that saying so let’s skip the crap. Today is the last day of the year decade. Is there anything you wish you did this decade that you didn’t? If you could turn back time, how will your goals be different?
I read somewhere before that most of us overestimate our [...]
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When you are trying to make a financial plan, or reach a certain financial goal, it is important to have an idea of your financial priorities. After all, without priorities, it is impossible to decide what you should do with your money — not to mention figure out what actions you need to take to [...]
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If you have ever received advice on investing your money, chances are you’ve had the benefits of diversification drilled into your brain. “Diversify and rule” was my college economics professor’s one-line strategy for managing his retirement portfolio. Corny but true. The virtues of diversifying your investments have been borne out by mathematics, finance and plain [...]
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I have credit card debts to pay off, student loans to service, bills to pay and a down payment to save up for. I can’t afford to save for retirement.
Sound familiar? With all these obligations, how the heck are we supposed to start saving for retirement, something that could be decades away?
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