Submitted by Brittney Castro on Fri, 07/19/2013 - 3:00pm
It’s perfectly natural to want to pamper yourself with massages, facials and pedicures every month without feeling guilty about it. You work hard, pay your bills, and you save for your financial future. If you are reaching your goals, you can find ways to indulge in a financially responsible way.
If you are like me, and most of the women I work with, you enjoy treating yourself yet still feel guilty about spending the money when you do. You may think you shouldn’t spend so much every month when you could be saving more for retirement or for your child’s college education.
Submitted by Hilary Martin on Mon, 07/15/2013 - 3:00pm
Over the past July 4, we celebrated our country’s history of declaring independence and guaranteeing basic human freedoms. But true freedom requires financial independence, as well.
Self-sufficiency isn’t guaranteed but every one of us has the opportunity to achieve it. Check out these four steps to achieve financial independence:
Make sure to plan ahead. During your saving and investing years, you must spend less than you make, no matter how high your income. It is vital that you invest prudently, without letting your emotions get in the way.
Submitted by Jeff Rose on Fri, 07/12/2013 - 3:00pm
Americans expecting the government to fund their retirement may be sorely mistaken. Taking retirement savings into your own hand is the only smart move that can guarantee comfort in your years after work.
Submitted by Rick Kahler on Thu, 07/11/2013 - 3:00pm
There is no such thing as the right path to creating wealth, such as getting the right job or starting a business. The secret, instead, is a mindset that includes looking at the long term and knowing what you need to give up.
Working with successful wealth-builders over three decades as a financial planner taught me what works and what doesn’t. Here are just a few of the paths that aren't the sure routes to wealth they might seem to be:
Submitted by Roger Wohlner on Fri, 07/05/2013 - 9:00am
Estimating the retirement income that you need is not easy. Very often, our assumptions about how much we must save or can safely withdraw are off. Even millionaires can have trouble retiring comfortably.
Submitted by Lewis J. Walker on Wed, 07/03/2013 - 12:00pm
With distrust in government high and taxes rising for many, it makes sense to ask: Are we getting our money’s worth – and if not, what can we do about it? One answer is to legally keep the tax bite as low as possible. This is not a right-left political issue, but a practical one.
Having witnessed the repressions of overreaching government in Europe, our founding fathers advocated for a healthy distrust of government. Our money proclaims, “In God We Trust.” It does not read, “In Government We Trust.”
Submitted by Larry Light on Mon, 07/01/2013 - 9:00am
I once told the personal finance editor for a large newspaper that I believed everyone should have a financial advisor. “Ohhhhhh?” he said disdainfully. “They’re not necessary. Everyone should be a self-directed investor.”
If only that were possible. When your appendix bursts, sending you into agony, do you do surgery on yourself? When your water main cracks, soaking your entire first floor, do you fix the gushing rupture yourself? When your auto’s carburetor seizes up, do you replace the part yourself?
Submitted by Larry Light on Fri, 06/28/2013 - 3:00pm
Even though I understand a lot about personal finance, I realize that I cannot plan my financial future alone. So I set out on a quest for the right advisor. And I’m glad I did. I learned vital things I did not know.