budget

When You Retire Without Enough

How much have you saved for retirement? Are you on pace to amass a retirement fund of $1 million by age 65? More than a few retirement counselors urge pre-retirees to strive for that goal. If you have $1 million in invested assets when you…

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How Much Will Social Security Contribute to Your Retirement?

Trying to plan your retirement income? Social Security will likely play a large role. It’s been a valuable resource for retirees for almost 80 years. Nearly 90 percent of all Americans age 65 and older receive Social Security benefits. That’s almost 46 million retirees and…

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Getting Your Personal Finances in Shape for 2019

You need not wait for 2019 to plan improvements to your finances. You can begin now. The last few months of 2018 give you a prime time to examine critical areas of your budget, your credit, and your investments. You could work on your emergency…

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Should Couples Combine Their Finances?

Some couples elect to consolidate their personal finances, while others largely keep their financial lives separate. What choice might suit your household? The first question…

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Set Goals as you Save & Invest

Goals give you focus. To find and establish your investing and saving goals, first ask yourself what you want to accomplish. Do you want to…

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Is It Time to Stop Procrastinating About Your Financial Plan?

First, look at your expenses and your debt. Review your core living expenses (such as a mortgage payment, car payment, etc.). Can any core expenses be reduced? Investing aside, you position yourself to gain ground financially when income rises, debt shrinks, and expenses decrease or…

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Retirement Communities: 3 Questions You Need to Ask

Thinking about joining a retirement community? That could be a wise decision. Many retirement communities offer activities, amenities and the chance to socialize with peers. In many cases, communities offer unique housing and services for different phases of retirement. You may transition over time from…

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Financing a College Education

A university education can often require financing and assuming debt. If your student fills out the Free Application for Federal Student Aid (FAFSA) and does not qualify for a Pell Grant or other kinds of help, and has no scholarship offers, what do you do?…

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