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Retirement Planning Can Start with an IRA

  • by April Harper on Jul 23, 2015
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These accounts make a good “first step” in retirement saving. Sooner or later, people decide to start saving and investing for retirement. When that starting point arrives, taking that “first step” can seem like a big deal. Opening an Individual Retirement Account (IRA) amounts to an easy “first step” in retirement saving for many. When […]

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Long-Term Investment Truths

Key lessons for retirement savers. You learn lessons as you invest in pursuit of long-run goals. Some of these lessons are conveyed and reinforced when you begin saving for retirement, and others you glean along the way. First & foremost, you learn to shut out much of the “noise.” News outlets take the temperature of […]

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Investing in Agreement With Your Beliefs

  • by April Harper on Jun 25, 2015
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The case for aligning your portfolio with your outlook & worldview. Do your investment choices reflect your outlook? Are they in agreement with your values? These questions may seem rather deep when it comes to deciding what to buy or sell, but some great investors have built fortunes by investing according to the ethical, moral […]

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Estate Planning for Your Digital Assets

  • by April Harper on Jun 11, 2015
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Have you addressed this issue? Social media and email accounts. Creative works, photos and keepsakes kept on home computers, the cloud or external storage drives. E-commerce accounts. Domain names. Bitcoin. These are all examples of digital assets. You will manage them closely as long as you live – but what will happen to them once […]

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Are Your Kids Delaying Your Retirement?

  • by April Harper on May 29, 2015
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Some baby boomers are supporting their “boomerang” children. Are you providing some financial support to your adult children? Has that hurt your retirement prospects? It seems that the wealthier you are, the greater your chances of lending a helping hand to your kids. Pew Research Center data compiled in late 2014 revealed that 38% of […]

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Major Risks to Family Wealth

Will your accumulated assets be threatened by them? All too often, family wealth fails to last. One generation builds a business – or even a fortune – and it is lost in ensuing decades. Why does it happen, again and again? It is because families fall prey to serious money blunders – old and new. […]

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The Psychology of Saving

How many households have the right outlook to build wealth? Why do some households save more than others? Building household savings may depend not only on cash flow, but also on psychology. With the right outlook, saving becomes a commitment. With a less positive outlook, it becomes a task – and tasks and chores are […]

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The Top 12 Tax Frauds

A look at the IRS “dirty dozen” list. Have you heard of the “dirty dozen?” Each year, the IRS lists the top 12 recurring federal tax offenses – frauds, cheats, feints and schemes that ethically challenged taxpayers, tax preparers and crooks try to perpetrate. Watch for these scams in all seasons, not just tax season. […]

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Are Americans Growing More Optimistic About Retiring?

  • by April Harper on Mar 12, 2015
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Pragmatism seems to be replacing pessimism, at least. Is it okay to retire today? Many baby boomers shelved notions of retiring during the past few years. Layoffs, the decline in home values, the crushing bear market of 2007-09 – those memories were just too fresh, and their economic effects were still being felt by many […]

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2015: A Time for Patience

Don’t let the market’s jumps rattle your commitment to staying invested. What the market does today, it may not do tomorrow. That may seem elementary, but there are days, weeks, months, and even years when that investing lesson is ignored.  Wall Street started 2015 with pronounced volatility, and in the opening six weeks of the […]

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