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, [...]
If the U.S. economy is on the mend, as published reports have indicated, this improvement has yet to show up in the finances of U.S. households. The results of PwC’s Financial Wellness Survey reveal a nation of consumers struggling with cash management and debt. Never Enough Competing financial concerns are forcing many households to focus [...]
Often I find my clients focusing on only one aspect of money. Usually this focus is on their dissatisfaction of their salary and the continued struggle to make more. One of my clients, a successful couple, Joe and Mary, making $100,000 a year (a significant amount to most), felt like this was not enough. One [...]
Although most Americans will not have to worry about 2012 taxes until early 2013 when 2012 tax returns are due, self-employed individuals or anyone who must pay quarterly tax payments will want to plan ahead. And there’s good news for those that do. The IRS recently announced cost-of-living adjustments for the 2012 tax year that [...]
Banks and other credit issuers saw their opportunities for generating revenue from fees charged to consumers severely hampered when the Dodd-Frank Wall Street Reform and Consumer Protection Act took effect in 2010. The new regulation capped overdraft fees and charges banks could assess to credit card customers. As a result, many financial institutions have been [...]
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 [...]
Proper long-term financial planning requires time, skill, discipline, and confidence — a combination that many individuals may lack. It’s understandable that so many individuals are reluctant to take on the responsibility of researching and implementing their own investment programs. If you find yourself in this situation, it may make sense to consider working with a [...]
Selecting the right health insurance plan for you (and your family) is a very important decision. Choose the wrong one, and you could have to pay thousands in either unnecessarily high premiums or in nonreimbursed costs for your care. If you receive health insurance through your employer, your choices may be limited. Some employers offer [...]
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 [...]
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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