Please accept my sincerest condolences. By the time you read this message, election night will have come and gone, and though we may still be waiting for results, one half of this country will soon be very disappointed. Your man or woman will have lost, and you may be concerned about the future of our… Continue reading Vote Partisan, Invest Bipartisan!
Article Categories: Articles
Pre-65 Retiree Health Insurance
Twice a week, I have a conversation about retiring before age 65 and what to do about health insurance. Under an employer’s group health insurance plan, the employee generally only pays about 20% of the monthly premium costs. However, when purchasing insurance on your own, you should expect to pay 100% of that cost. That… Continue reading Pre-65 Retiree Health Insurance
TikTok Financial Advice
TikTok can be a mixed bag when it comes to financial advice. While there are some knowledgeable creators sharing useful tips, there’s also a lot of misinformation. Here are a few key points to consider: In summary, while TikTok can be a source of inspiration and basic tips, it’s crucial to approach the advice with… Continue reading TikTok Financial Advice
Should the Presidential Election Impact My Investment Strategy?
When it comes to investment decisions during a presidential election, many people are tempted to adjust their portfolios based on potential policy changes. However, making investment choices solely based on election outcomes can be risky. Markets tend to be volatile in the short-term leading up to an election, driven more by uncertainty than actual economic… Continue reading Should the Presidential Election Impact My Investment Strategy?
Buy Now, Pay Later?
“Buy Now, Pay Later” (BNPL) services like Affirm and Afterpay can be tempting because they let you break large purchases into smaller, more manageable payments. But they also come with risks that you should be aware of. Overspending: Since you’re not paying the full price upfront, it’s easy to spend more than you can afford,… Continue reading Buy Now, Pay Later?
Maximizing Your Social Security
Social Security is something we’ve all heard about, but how exactly does it work? It’s a pay-as-you-go system, which means that if you’re currently working, you’re paying into Social Security. Today’s workers and employers are funding the benefits for those who are receiving them right now. Now, if you’re anything like us, then at some… Continue reading Maximizing Your Social Security
Borrowing Money? How Improving Your Credit Score Can Save You Money
What is a credit score? A credit score reflects your credibility with lenders. It is based on your borrowing history, tracked by the three major credit bureaus: Equifax, Experian, and TransUnion, and is updated monthly. Your credit score is influenced by several factors: Interest is the cost you pay the lender to finance your purchase.… Continue reading Borrowing Money? How Improving Your Credit Score Can Save You Money
Top 5 Ways Plan Sponsors Can Empower the Financial Wellness of Latino and Hispanic Employees
The second-largest racial or ethnic group in the United States is Latino/Hispanic, sitting at just under 19% in 2020. This number is expected to grow, and as Latino and Hispanic individuals make up a larger portion of the U.S.’s labor force, their economic power will grow as well. Amid this growth, Latino and Hispanic… Continue reading Top 5 Ways Plan Sponsors Can Empower the Financial Wellness of Latino and Hispanic Employees
Divided Nation – Active v Passive Investing
Once again, this fall, our nation is more divided than it ever has been. Often seemingly innocent dinner-time conversations swerve into “that” divisive subject, and once strong friendships and family relationships become strained. Far too often each side decides to simply not discuss “that” topic anymore, while smugly enjoying the high ground of their intellectual… Continue reading Divided Nation – Active v Passive Investing
Financial Wellness for Public Sector Employees
As a rooster was scratching up the straw in a farmyard, in search of food for the hens, he hit upon a jewel that by some chance had found its way there. “Ho!” said he, “You are a very fine thing, no doubt, to those who prize you; but give me a barley-corn before all… Continue reading Financial Wellness for Public Sector Employees
