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Quick math
Don’t have a calculator, but need a quick answer to a financial question? Here are three shortcuts: -How long will it take to double your money? Divide 72 by your annual investment return. If you are earning 8% annually on your investments, it takes nine years for...
Stock market ups and downs
It would be ideal if investment decisions were made in a vacuum without influences from the outside world, but that is not the case. We are constantly bombarded with information from many different sources, and it impacts how we feel about our investments. So how do...
Straighten Out Your Financial Accounts
It’s not uncommon to accumulate things over the years when you don’t take time to straighten them out periodically. This applies to our finances as well as our possessions. If you feel it’s time to straighten out your finances, consider these steps: -Make a...
Financial Thoughts
Despite the coronavirus pandemic’s impact in 2020, most retirement plan participants did not make trades, loan use fell, and only a small minority took withdrawals. Loan use declined by more than 20% in 2020. Only 13% of participants had an outstanding loan in 2020,...
Is Out-of-State Tuition Worth It?
Out-of-state colleges are significantly more expensive than going to a school in your home state. There are a few factors to consider in deciding if it is worth it: The first factor is cost. According to the College Board, the average cost of tuition for the 2021-22...
Avoid These 401(k) and IRA Mistakes
When it comes to saving for retirement, many people take a set-it-and forget-it approach. But not paying attention to your 401(k) and IRA accounts could cause you to miss valuable savings opportunities. Avoid these seven mistakes: Not contributing enough to get your...
Start Budgeting
Almost no one enjoys the process of analyzing and budgeting expenditures, but inefficient and wasted expenditures can be major impediments to accomplishing your financial goals. It is difficult to manage your money if you don’t know how much you have or where it is...
Assessing Your Risk Tolerance
While investors want the highest returns possible, returns compensate you for the risks you take — higher risks are generally rewarded with higher returns. Thus, you need to assess how much risk you are willing to take to obtain potentially higher returns. However,...
A Budget for College Students
Many students will first handle money without parental supervision during college. To help keep expenses down and avoid conflicts, you might want to develop a budget to guide your child’s spending. As you go through the process, consider the following: Develop a...
An Investment Plan for College
To meet your goal for funding a child’s college education, you typically need to develop an investment plan. One of the more important factors is your child’s age: Children aged 10 or younger — With eight or more years until college, you should be able to fund your...
Traditional IRA vs Roth IRA
It is never a bad idea to begin planning for retirement, no matter what stage of life you are in. Today is when all those small decisions about retirement can start having a big impact on your future self. It is important to remember that it is never too soon to plan...
401K
A 401k is a retirement account that you can open with your employer for savings. The goal of this type of account is to continue to save over time to help support your future retirement. You may not know what all goes into a 401(k) plan. That doesn't mean you can’t...
Retired and Confident: 6 Questions Toward Financial Security
5 Steps to Plan for a Comfortable and Secure Retirement
Suddenly Single and Stuck: a Financial Guide for Unexpected Hardship
Empty Nesters: Celebrating Your New Normal
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