In the Sept. 24 issue of this newspaper, Carol Sampson made a cogent and impassioned plea to support Democrat candidates David Garcia for superintendent of education, Janie Hydrick for the state Senate and for Mitzi Epstein for the House. Her letter was titled “Build a strong bridge for the future.” Interestingly enough, no mention was made of Fred Duval.
The American Dream of homeownership is alive and well, just as it was before the housing crisis hit. Despite the extreme fallout from the Great Recession, people still want a place to call their own. A place where they can raise a family, make memories and live comfortably. And, while purchasing a new home provides tremendous opportunity for families looking to improve their lives, the implications are even greater to the economy as a whole.
It probably doesn’t happen as much as you’d like, but from time to time, you have some extra disposable income. When this happens, how should you use the funds? Assuming you have adequate emergency savings — typically, three to six months’ worth of living expenses — should you pay off debts, or fund your IRA or another investment account?
Are you ready for this? September is National Preparedness Month. Sponsored by the Federal Emergency Management Agency (FEMA), National Preparedness Month seeks to educate Americans on preparing for natural disasters and other types of emergencies. But you’ll also need to prepare for unexpected events in many other areas of your life — particularly those events related to the financial security of you and your family.
The VA Jumbo Loans are probably one of the most misunderstood and under utilized tool in the VA benefits package. The majority of lenders do not know how to leverage this lending tool to its full and complete capacity on behalf of their VA borrowers. If you are a veteran looking to purchase a home above $417,000, you can get a no hassle, no obligation review of your VA benefits to see, if you qualify. There are a few select lenders that do this product well. You will be amazed at how low your rate will be and how little money you need to put as a down payment on VA Jumbo Loans through select lenders. Here are some features and benefits:
Generally, you feel better – more confident – when you’re sporting a new look. Sometimes, even the smallest changes can make a big difference in your attitude. Doesn’t your investment plan deserve the same kind of attention? After all, someday it’s going to be taking care of you! Perhaps your portfolio is overweighted in stocks. Maybe you’d like to spice up your portfolio with commodities. Whatever you have in mind, it’s always a good move to regularly review your investments and make decisions about your financial strategies.
On Sept. 1, we observe Labor Day — a celebration of the American worker. Of course, you work hard at your own job, but, when you think of it, every worthwhile endeavor in life requires significant effort — and that’s certainly the case with investing. The harder you work at it, the more likely you are to make progress toward your goals.
On Sept. 8, we observe National Grandparents Day. If you have grandchildren, they will hopefully mark this occasion by sending a card, making a call or, best of all, paying a visit. But however your grandchildren express their feelings for you, you undoubtedly have a very big place in your heart for them. In fact, you may well be planning on including your grandchildren in your estate plan. If that’s the case, you’ll want to do the best you can to preserve the size of your estate — without sacrificing the ability to enjoy life during your retirement years.
It’s back-to-school time again. If you have young children, you might be hustling them to the store for backpacks and binders. But if you fast-forward a few years, you can envision driving your kids a little farther — to their college dorms. And when that day comes, you’ll want to be financially prepared. So you’ll want to avoid making costly mistakes when preparing for, and paying, those big bills. Here are some of the most common of these errors:
If you’re a baby boomer, you’re at the point in life where, if you haven’t actually entered retirement, you’re at least approaching the outskirts. But if you’re like many of your fellow boomers, you may be experiencing more than a little trepidation over your financial prospects as a retiree. That’s why it’s so important for you to determine what steps to take to help improve your chances of enjoying a comfortable retirement.
Unless you keep close track of obscure holidays and observances, you probably didn’t know that August is “What Will Be Your Legacy? Month.” Still, you might want to use this particular month as a useful reminder to take action on what could be one of your most important financial goals: leaving a meaningful legacy.
To answer Bill Richardson’s two main questions, “Do we keep Democrat Congresswoman Kyrsten Sinema to represent us or do we elect someone else?” And, “Are Rogers and Walter the best Republicans can come up with to challenge Sinema in CD 9?”
If you think back to your math classes in high school or college, you may remember that many of the problems involved the use of variables. Changing these variables around in any fashion would change the outcome of the problem. Similar situations occur in life all the time. To illustrate: If you look at the need to manage your retirement income so that you can’t outlive it as a “problem” to be solved, you will need to adjust some variables to arrive at the solution you seek. That’s why it’s so important you be aware of the key variables involved in your retirement income planning.
If you’re in a marriage that’s ending, you’ll need to gather certain financial documents to help you evaluate your assets and understand the financial position you’re in. Some of the information may be at your fingertips, but some might require sleuthing.
Here’s an interesting statistic: over the past three decades, the centenarian population in the United States has grown about 66 percent, according to the U.S. Census Bureau. To enjoy this time to the fullest — and to help prevent the possibility of outliving your financial resources — you will need to invest for income and growth throughout your retirement years.
Everyone needs to be aware of the financial resources they will have available in retirement. But if you’re a woman, you must be particularly diligent, for a variety of reasons. And that means you’ll need to know just what to expect from Social Security.
Some types of pears and other fruit don’t change color as they ripen; you have to feel the softening. If you wait too long, you’ll eat overly sweet fruit or have to throw it away. Similarly, if your will has been safely tucked away for awhile, it may have passed its peak financial efficiency unnoticed.
Sunbelt Holdings has appointed Melissa Scott property manager of the Arizona State University Research Park, a 320-acre research and development park for which Sunbelt Holdings has provided asset management services since 1992.
When the subject of retirement comes up, it often conjures up images of lazy afternoons on a hammock, leisurely walks in the morning sunshine, floating peacefully on a raft in the pool, and other such restful, relaxing ways to spend time. Or retirement often implies completing all of the things on a “bucket list” before becoming too old to do so. Although these can certainly be some of the well-deserved choices of retirement, they don’t necessarily have to define the entire experience. Creatively and conscientiously spending one’s time in retirement is worth a little thought and consideration. One of the ways to create a meaningful retirement is volunteering. It offers purposeful activity and a sense of giving back to loved ones and the community.
Throughout your career, you have been working hard to save in one or more retirement accounts. Then, once you retire, you’ll have some new decisions to make. But one choice has already been made for you: the age at which you must start taking withdrawals, or “distributions.” It’s a good idea to familiarize yourself with these distribution rules because they can have a big impact on your retirement income. And you may even want to take action before the end of the year.
There’s nothing more important in the world to you than your family. However, your family-owned business probably helps support your family. So when it comes to protecting both your family and your business, you need to carefully consider your moves.