Tag: costs

Finance

Budgeting for Insurance: Managing the Costs of Protection

A financial advisor can help you put a financial plan together for your retirement. Here’s a checklist with eight things that will help you determine your retirement readiness. Contributions to Roth IRAs come from money that’s already been taxed. Because you aren’t taking a tax deduction now, you’re able to withdraw earnings and contributions in retirement without paying federal income tax. Roth IRAs are the only type of retirement account that doesn’t require RMDs.

Self-Directed IRA

Retirement planning

This leaves little earnings potential for their post-retirement life. Investigating how retirement investments could supplement your retirement account earnings might be beneficial for many … Read More

Finance

Budgeting for Pet Care: Balancing the Costs of Pet Ownership

It is important to know how your pension could be affected before you change jobs. Your spouse may have a pension plan, and you will need to know if you will be entitled to those benefits. Leaving the workforce before the traditional age of 65 is typically considered early retirement. Also, waiting until you hit 65 means that you are eligible for Medicare, which is typically a fraction of the cost of individual insurance plans for older adults.

Here’s a look at some of the more popular investment options:

Retirement planning

Matching contributions are incentives from your employer to encourage you to … Read More

Finance

Healthcare Costs in Retirement: Managing Medical Expenses

Of course, that’s easier said than done, especially when it comes to the stock market. While that’s a normal reaction, selling out may be the worst thing you can do since you can miss out on recouping those losses if there is an upswing. Decreasing debt increases your net worth, so, over time, do what you can to pay down your mortgage, pay off your car loan and reduce any credit card debt. At the same time, consider cutting back on some of your expenses. The lower your expenses the more you’re worth — and the more you can save. There … Read More

Small Business

Fuel Costs

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