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You, Taxes and Retirement – Annuities, Roth IRAs, Social Security, & Life Insurance

Regardless of where you turn there is a tax – income, sales, property, gas, estate, gift, liquor, tobacco, telephone, import, export, capital gains, unemployment, Social Security, Medicare and several hundred more that you pay knowingly and unknowingly. The National Bureau of Economic Research has estimated that the average worker is in the 40% marginal tax [...]

The Social Security Bubble – How Do You Prepare For It?

For many Americans, Social Security benefits are no longer a guarantee. Sure, we all still have to pay into the system, but unless that system is seriously reformed, there simply won’t be enough money in it to pay us all out. No one really knows when the money will dry up, but the trustees of [...]

Now is the Time to Simplify Your Financial Life

If you are serious about simplifying your financial life, you will be pleased to learn that the process is actually quite easy. I’d like to introduce four easy steps to follow:
1. Put your goals in writing.
2. Rely on experienced professionals.
3. Consolidate your assets and accounts.
4. Stay focused on the long-term.
And now’s is the time to [...]

Car Insurance For Just One Day

In these days of compact urban areas and great public transport more and more people are questioning whether they need a car at all, the problem with giving up your car however is giving up the freedom it affords you when it comes to trips away and spontaneous tasks you may wish to complete. A [...]

After the Crash – What to Do Now

The past year has sent shockwaves across the retirement planning landscape of America. When major stock indices fell more than 50 percent from their highs in March, it put retirement “on hold” indefinitely for millions.
Clearly, many Americans were ill-prepared for the economic tsunami that has hit us over the past 18 months. With the exceptions [...]

Insuring a Modified Vehicle

Many people take pride in their cars and like to add personal touches to them to reflect their hobbies, views, and personalities. While some people may choose to hang items from the rear-view mirror, attach items to the dash-board, or place bumper stickers to distinguish their vehicle from others, some people choose to install or [...]

How to Find Cheap Auto Insurance Quotes Today

If you watch television, you are bound to have seen several different auto insurance retailers marketing their auto insurance rates in competition with the “other guys”. They want you to believe that their rates are actually lower across the board. The truth of the matter is, it depends upon the details in regard to your [...]

Retirement – Plan B

The good news is that we are living longer.
This means that we have many extra years to enjoy ourselves with our friends and family, with our food, drink and other earthly pleasures. As long as we keep popping all the anti-cholesterol, anti-sugar and anti- high blood pressure pills we keep going. We do all the [...]

Strategic Retirement Planning Guarantees a Woman’s Future

If you are reading this article, the current economy probably has you a little worried about your future. If you are a woman and you are concerned about retirement planning you must know that it is never too late to take an interest in planning your financial future. Regardless if you are single, married, divorced [...]

A Simple Retirement Calculator is No Good Unless it is Also an Accurate Retirement Calculator

Have you ever entered an internet search for the term “simple retirement calculator?” If you have, your retirement plan may be in a lot of trouble.
I have looked at a good number of the retirement calculators available today on the internet. Most get the numbers wrong. Not a little bit wrong. Most get the numbers [...]