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Don’t Bet Your Retirement On An 8% Return

Posted in Retirement
February 1st 2017 by
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If there’s one lesson in investing, it’s that time in the market matters. The longer you leave your capital alone, the more it can grow. If past growth rates continue, the time you leave your savings alone is more important than how much you save. The problem with that, though, is that past growth rates are not likely to continue. Over the last 30 years, the stock market has averaged 7.8% growth. That growth rate is the foundation of many retirement plans, including some professionally managed funds. If you’ve invested your whole 401(k) in total market index funds hoping to…

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Single at Retirement: What You Should Know

Posted in Retirement
October 19th 2016 by
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Q: Most retirement advice is geared toward people “growing old together.” How do I plan for a fabulously single life after work? A: If you’re single at retirement, you won’t have several benefits: spousal Social Security benefits, life insurance payouts and equity, and preferential tax treatment for married couples. You’re not alone. The US census reports that 54% of men and 27% of women over age 65 are single, facing a more difficult retirement landscape than married couples. However, there are many retirement strategies that are easier for single people to execute. Here are three steps you can take to…

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Save More Money on Online Orders

September 21st 2016 by
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Online shopping is enjoyable for many reasons: you can avoid lines, no crowds, and it can even be done in your pajamas.  If you want to get the most out of your online purchases, here are some ways to get a discount. Utilize Live Chat Services Have you seen the chat boxes that pop up on some websites asking if you need help?  Open them and ask for savings.  You may have to search for a Live Chat option on the website but once you find it and reach a representative, express that you are searching many companies for the…

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4 Tips for Tackling College Costs

Posted in Young Adults
September 20th 2016 by
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Student loan debt has become a widespread problem: 43.3 million Americans have it, with the total debt being over $1.3 trillion. The average debt for the 2016 graduate was over $37,000. While not a whole lot can be done to cut college costs, students do have some options, which the American Consumer Council partnered with Kim Curtis to go over in this video: Choosing Your Major Should you follow your passion? Absolutely. Should you try to incorporate your passion into a lucrative career? Definitely. Choosing a major that consistently sees higher than average salaries will increase your chances of getting…

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Adopt a Mindset That Will Help Your Money Grow

September 8th 2016 by
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Living a life of wealth and happiness does not happen overnight.  You need time, patience and a knack for making good money decisions.  See what you can do to gain comfortable financial independence in your life. Plant and Wait To get the most out of life, most people advise you to live life to fullest each day. What they don’t talk about is how you should invest like you will live forever in order to gain the most money over time.  Think of money like a plant: you need to make sure it’s planted properly and tend to it from time to…

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