Although employment trends have improved recently, there remain millions of people who work part time, are employed in temporary jobs, or are self-employed, frequently without employer-sponsored benefits.1 This situation presents a challenge when planning for retirement, health insurance, and other areas. But with careful planning, you may be able to continue investing for your later years, [...]
New research confirms a reality millions of Americans already know: Many households are worse off today than they were during the peak of the recession just a few years ago.1 During the recession, real median household income dropped by 3.2%, from $55,309 in December 2007 to $53,518 in June 2009. However, during the “recovery” period [...]
Most stock market investors are looking for the same result: strong and steady gains of their investments. Dealing with a period of sustained falling stock prices is not easy. All too often, investors react to a sharp drop in prices by panic selling or digging in their heels despite deteriorating fundamentals. But more thoughtful investors [...]
In one of my favorite books for advisors, “Facilitating Financial Health” by Brad Klontz, Rick Kahler and Ted Klontz, they talk about money scripts that many people can have and if left unchallenged can lead to self-destructive and self-limiting financial behaviors. In this article I want to introduce the idea of a money script and [...]
There are several areas to pay close attention to when you are striving for financial freedom. Below you will find 12 tips you need to add to your financial routine for pursuing financial freedom. Cash Flow Loosely defined, your household’s cash flow is the money being earned from wages, salaries, bonuses, tips, and other income [...]
Most retirement-minded Americans might not see the connection between physical fitness and retirement planning, except for the fact that both can make them sweat! For too many Americans, particularly the 78 million baby boomers, the process of planning for retirement is about as appealing as exercising and getting fit; something achievable but also easy to [...]
Loss of health is unpredictable and often financially devastating wild card in retirement. Long-term care, which is largely not covered by traditional health insurance or Medicare can be particularly devastating. Almost seven in 10 people will need some long-term care, such as home care, assisted living, or nursing home care, after age 65. In 2008, [...]
I love to be spontaneous and just go with the flow. It is the spice of life for me because most of the time I’m following a schedule to finish a project be it for work, hobbies, vacation, athletic, family, friends, my community or whatever. So, sometimes it is fun just to be and have [...]
If you don’t like the word “Retirement” and your goal is to spend more time on your life passions and pursuits then you should get to know Ruth Cameron!
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Yours, Mine and Ours
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