How to Verify Reliable Debt Negotiators
How to Verify Reliable Debt Negotiators How to verify reliable debt negotiators? Financial hardships impact millions of Americans every year, but not many of them realize that there are more easily-attainable solutions than many of us have been led to believe. Whether you choose to go with professional debt negotiators or decide that you are […]
Top 5 Retirement Factors
Top 5 Retirement Factors Top 5 Retirement Factors which will guarantee a successful retirement. When you crush these 5 factors you will be able to sleep well at night knowing you will have a successful retirement. Inflation Inflation has been referred to as the “silent killer’ of a portfolio’s value. It slowly and silently eats […]
Credit Risk associated with bonds
Credit Risk associated with bonds Credit Risk associated with bonds are distinguished by their credit ratings. A rating provides an indication of the risk that the issuer will fail to pay interest and principal for a particular bond when those payments are due. This risk credit risk associated with bonds. Rating agencies A bond issuer […]
Fixed Income Securities
Fixed Income Securities Fixed income securities (or debt) securities, such as bonds and notes, are issued by corporations, federal and state governments and their agencies, and municipalities. The issuer is essentially borrowing money from the investor. In return for this ‘loan,’ the company promises to repay the face amount (the principal value) at a specified […]
Stocks and investment risk
Stocks and investment risk Stocks and investment risk in this post we will define common stock then discuss the advantages and disadvantages. Common stocks A share of common stock represents a fractional ownership interest in the issuing corporation. Returns on stocks come in the form of capital growth or appreciation, and the possibility of dividends. […]
Attributes of Sound Investment Policy
Attributes of Sound Investment Policy Attributes of Sound Investment Policy. Sound investment policy is realistic, has a long-term perspective, and is clearly defined. Policy must be realistic Every planner has had the painful experience of dealing with the unrealistic client – the person whose return expectations are unrealistic. Taming unrealistic expectations is one of the […]
How to withdraw funds from your IRA penalty free
How to withdraw funds from your IRA penalty free How to withdraw funds from your IRA penalty free is one of the most common questions we receive on a daily basis. But what is an IRA? An IRA or individual retirement account is a special custodial or trust account implemented through brokerage firms, banks, insurance […]
Income Replacement Percentages
Income Replacement Percentages Income replacement percentages during retirement are used by planners as rough guides in determining the amount of income needed in retirement, using preretirement income as a base value (100%). Thus, it is common to hear financial advisors myself included to state that retirees need 85% of preretirment income to support a similar […]
Save Early and Often
Save Early and Often Save early and often – it is likely that the majority of young households will have little discretionary income each month, and the tendency is to put off saving. When you are young, and have your first real job, probably the last thing on your mind is retirement. Then, before you […]
How to Calculate a Retirement Savings Need
How to Calculate a Retirement Savings Need How to calculate a retirement savings need is a critical part of establishing long term retirement goals. We will break this down into retirement income needs and various income sources. Income needs Retirement income need is the dollar amount needed to support a desired lifestyle. quantifying this need […]
