
Seeking Better Alignment of your Money to your Goals? Try Values-Based Saving
Just like in values-based budgeting, values-based saving starts with defining your core values. There are many different resources that you can use to help define your core values; however, unlike values-based budgeting, values-based saving requires you to look forward rather than backward.
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The Best States For Retirees
While clients think about how much income tax they’ll have to pay in retirement, we have found that the calculation is much deeper. First, as clients retire, their income typically drops substantially and moving to Florida or some other state with a low-income tax rate may not be worth the effort of moving.
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How Much Should You Sacrifice Today To Ensure A Secure Tomorrow?
Every few months, you are sure to run across an article talking about the woefully inept savings rate plaguing our country. The data is disheartening. Collectively we save about 3% of our income. Just 30 years ago, the personal savings rate was triple where it is today. So, why do we have such a hard time saving for the future?
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WISE MONEY – Do a Reality Check on Your Retirement Finances
Your poor savings habits might stem from ignoring the problem or, when you do think of it,
slipping into denial. Well, denial is not just a river in Egypt. If you're fooling yourself about your
retirement resources, you're probably rationalizing a lot.
If this describes you, you might want to examine your emotions on the subject. Are these
emotions lining up to justify your lack of action to save for retirement (or your all-too-active
spending habits)? If so, you may be using some of these rationalizations too.
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Fleecing Investors, When Will They Learn?
Several days ago, Bloomberg wrote a scathing article on Managed Futures Funds. These funds started to gain much more popularity after 2008. They tend to be non-correlated to the overall market, appealing to investors after losing over half their money in the stock market.
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