Financing a college education

on Tuesday, 05 June 2018. Posted in Editorials, Opinions

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 d

Beware of lifestyle creep

on Wednesday, 30 May 2018. Posted in Editorials, Opinions

“Lifestyle creep” is an unusual phrase describing an all-too-common problem: the more money people earn, the more money they tend to spend. Frequently, the newly affluent are the most susceptible. As people establish themselves as doctors and lawyers, exe

A retirement gender gap

on Wednesday, 23 May 2018. Posted in Editorials, Opinions

What is the retirement outlook for the average fifty-something working woman? As a generalization, less sunny than that of a man in her age group. Most middle-class retirees get their income from three sources. An influential 2016 National Institute on Re

Adjusting your portfolio as you age

on Wednesday, 09 May 2018. Posted in Editorials, Opinions

If you are an experienced investor, you have probably fine-tuned your portfolio through the years in response to market cycles or in pursuit of a better return. As you approach or enter retirement, is another adjustment necessary? Some investors may think

Signs of elder abuse

on Wednesday, 25 April 2018. Posted in News, Editorials

Is someone taking advantage of someone you love? June 15 is World Elder Abuse Prevention Day, a day to call attention to a crisis that may become even more common as baby boomers enter the “third acts” of their lives. Every year, more than half a million

2018 retirement account limits

on Tuesday, 27 March 2018. Posted in Editorials, Opinions

In 2018, you have another chance to max out your retirement accounts. Here is a rundown of yearly contribution limits for the popular retirement savings vehicles. IRAs. The 2018 limits are the same as in 2016: $5,500 for IRA owners who will be 49 and you

Good reasons to retire later

on Wednesday, 14 March 2018. Posted in Editorials, Opinions

Are you in your fifties and unsure if you have enough retirement savings? Then you have two basic financial choices. You could start saving and investing more of your pay than you currently do, or you could work longer so you have fewer years of retiremen

Why you should have an online social security

on Tuesday, 06 March 2018. Posted in Editorials, Opinions

The possibility cannot be dismissed. Sensitive financial and medical data pertaining to your life may not be as safe as you think, and thieves may turn to a vast resource to try and mine it – the Social Security Administration Consider three facts, which

Bad money habits to break in 2018

on Tuesday, 20 February 2018. Posted in News, Editorials

Do bad money habits constrain your financial progress? Many people fall into the same financial behavior patterns year after year. If you sometimes succumb to these financial tendencies, the New Year is as good an occasion as any to alter your behavior.

Retirement questions that have nothing to do with money

on Wednesday, 14 February 2018. Posted in Editorials, Opinions

Retirement planning is not entirely financial. Your degree of happiness in your “second act” may depend on some factors you cannot quantify. Here are a few of those factors as well as the questions they may end up provoking in your mind. Where will you li

The worth of waiting

on Monday, 18 December 2017. Posted in Editorials, Opinions

Most of us can identify with the anxiety of the Christmas season. I remember being so excited the last day of school before the winter break, I could hardly contain myself. The expectation of the possibility of seeing Santa and finding my toys had “appear

Should we reconsider what “retirement” means?

on Monday, 11 December 2017. Posted in Editorials, Opinions

An executive transitions into a consulting role at age 62 and stops working altogether at 65; then, he becomes a buyer for a church network at 69. A corporate IT professional decides to conclude her career at age 58; she serves as a city council member in

Year-end charitable gifting

on Tuesday, 28 November 2017. Posted in Editorials, Opinions

Are you making charitable donations this holiday season? If so, you should know about some of the financial “fine print” involved, as the right moves could potentially bring more of a benefit to the charity and to you.

Cybercurrencies: A risky choice

on Tuesday, 05 September 2017. Posted in Editorials, Opinions

Bitcoin. Ethereum. Litecoin. Ripple. These are just four of the cybercurrencies attracting opportunistic investors today. Are they the next big thing? Or the next big bust? The answer to that question may vary per day, week, month, or year.

Should you apply for Social Security now or later?

on Tuesday, 06 June 2017. Posted in Editorials, Opinions

Now or later? When it comes to the question of Social Security income, the choice looms large. Should you apply now to get earlier payments? Or wait for a few years to get larger checks?
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