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Monday, April 1, 2024

Personal finances are a lot like household chores. If you don’t pay much attention to how you are spending your money, it may be difficult to get a foothold on where you stand financially.

Monday, April 1, 2024

Here are seven steps to making your portfolio cleaner and more efficient.

Monday, April 1, 2024

Tax filing can be stressful because of its complexities and the financial responsibility of owing taxes without having an emergency fund, or money put aside for this occasion. We wanted to share eight tips that may help you!

Thursday, March 21, 2024

Most of us find the notion of creating a budget about as appealing as spring cleaning chores. And, with the stress that usually accompanies tax filing hopefully behind you, you may not be inclined to tackle a financial reckoning.

Friday, March 1, 2024

2023-2024 Quick View Tax Guide

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Friday, March 1, 2024

What is it? According to the IRS, you are self-employed if you carry on a trade or business as a sole proprietor, as an independent contractor, as a member of a partnership, or if you are otherwise in business for yourself. You can be...

Friday, March 1, 2024

Nurturing a community, fostering growth and making a positive impact As a small business owner, your employees are the heart and soul of your organization. Many entrepreneurs understand the importance of a diverse, inclusive workforce...

Friday, March 1, 2024

As a business owner, prudent financial management can help ensure your business remains healthy and stable. But what does good business financial management look like in practice? Here are four tips that may benefit business owners...

Thursday, February 8, 2024

Stocks are off to a solid start in 2024. January gains are particularly enjoyable because of the old adage from the Stock Trader’s Almanac, “As goes January, so goes the year.” Nearly 75 years of historical data shows...

Thursday, February 1, 2024

The Setting Every Community Up for Retirement Enhancement (SECURE) Act, passed into law in December 2019, had significant implications for business owners and employees regarding retirement savings and tax rules. With some of SECURE...

Thursday, February 1, 2024

Life today is expensive, and contributing to a retirement plan is more beneficial than ever. Recently, the IRS announced it was raising the contribution limit for 401(k)s to $23,000 for 2024, up from $22,500. In a world where pensions...

Thursday, February 1, 2024

In the world of investing, risk and reward go hand-in-hand. To help manage risk and reward, investors often utilize a portfolio diversification strategy that mitigates risk while working toward accumulation across asset classes....

Thursday, February 1, 2024

For profitable small businesses, paying quarterly estimated taxes is part of the tax process to potentially avoid penalties at the end of your fiscal year. The quarterly taxes for a business are the estimated taxes that will be owed at...

Monday, January 1, 2024

When it comes to financial bad habits, the most common are also well known — don’t spend too much, don’t take on unsustainable debt, and avoid living paycheck to paycheck. But what happens once you’ve...

Monday, January 1, 2024

While protecting your financial data has always been important, it grows even more critical as you start planning for retirement. From preserving your retirement savings to maintaining financial independence to avoiding stress, you...

Monday, January 1, 2024

Financial wellness is a state of being when one is in control of their finances, can cover expenses, and save for future goals. Consider financial wellness as your relationship with money; it can be either healthy or unhealthy....

Monday, January 1, 2024

It is a good time for small business owners to make some financial resolutions to help lead them toward a solid financial path. Whether your business is just starting or you have been running it for decades, the new year is the time to...

Thursday, December 14, 2023

In 2024, LPL Research believes markets will make a definitive turn to a more recognizable place. En route, the transition will be marked by meaningful shifts in a few key areas. Inflation is going down. The risk of a recession is...

Wednesday, December 6, 2023

Solid gains for both stocks and bonds gave investors a November to remember. As financial markets continue to defy skeptics, I’m reminded of a quote from Warren Buffett’s long-time partner and one of the greatest investors...

Saturday, December 2, 2023

Whether you are just entering your golden years or are already several years in, setting goals to stay on track and maintain your health, happiness, and finances is essential. So why not use the New Year's holiday to turn these goals...

Saturday, December 2, 2023

The holiday season is just a short time away, which means the shopping season is about to be in full swing. Shopping for holiday gifts is stressful but also a little fun, especially when you think about the joy you will bring to those...

Saturday, December 2, 2023

Charitable giving is an excellent way for businesses to help others while taking advantage of additional tax breaks. Billions of dollars are given each year in the U.S. to a wide range of charities providing valuable community services...

Saturday, December 2, 2023

At the end of the year, it is necessary to reflect on your financial picture, review the last 12 months, and plan for the future. With all that is involved, it can seem overwhelming. Consider breaking up the responsibilities over 12...

Thursday, November 2, 2023

Thanksgiving is a holiday for spending time with loved ones, being grateful, and perhaps enjoying a bit of overindulgence. There are many financial lessons to be had in planning, preparing, and celebrating this annual feast.1 Here are...

Thursday, November 2, 2023

In early 2022, the IRS issued proposed regulations regarding required minimum distributions (RMDs) to reflect changes made by the Setting Every Community Up for Retirement Enhancement (SECURE) Act of 2019. The IRS has held off on...

Thursday, November 2, 2023

 Retiring from the military is a profound accomplishment. For many, this retirement will provide you with positive things, including the time and geographic stability you need to start a new career or simply enjoy leisure...

Wednesday, November 1, 2023

The penultimate month of the year is often a time to reflect and offer thanks. And while economic and geopolitical uncertainty can overshadow the positives, there are things to be thankful for. Here is just some of what we’re...

Wednesday, November 1, 2023

 Tax planning preparations include small-business owners taking necessary measures to optimize their taxes by taking advantage of deductions and benefits. Here is a brief tax planning overview for small-business owners preparing...

Wednesday, October 4, 2023

The S&P 500 lost 3.3% in the third quarter after sliding nearly 5% in September. Putting this into perspective, nothing really qualifies as out of the ordinary. Since 1950, the S&P 500 has historically declined in September 55% of the...

Monday, October 2, 2023

Planning for your financial future and retirement looks much different now than in previous years. Some people must supplement their Social Security to have enough to maintain their desired lifestyle. This means financial planning is...

Monday, October 2, 2023

For many, autumn is the best time of year. The return of cool breezes, comforting foods, and pumpkins can be invigorating. It’s also a bookmark of sorts, especially for your finances—a perfect time to take stock of your...

Monday, October 2, 2023

You have probably heard about financial planning and its potential benefits, but you are unsure how to apply the principles to your life. A financial plan is a collection of steps that help you to evaluate your financial condition and...

Monday, October 2, 2023

Now is an excellent time to start evaluating your current financial situation, determining your future goals and expectations, and working toward pursuing them. If you need help pulling together a plan for your finances, a financial...

Wednesday, September 6, 2023

Financial markets lived up to their reputation during the month of August, which has a record for being difficult. On the first day of August, markets had to contend with a downgrade of U.S. long-term debt by the rating agency, Fitch....

Friday, September 1, 2023

Once you are in your 60s, you are likely to focus less on growing your retirement funds than answering, "When do I retire?" And once you crack open your nest egg, how should you allocate its contents? The answer often lies in a...

Friday, September 1, 2023

Go out into your yard and dig a big hole. Every month, throw $50 into it, but don't take any money out until you're ready to buy a house, send your child to college, or retire. It sounds a little crazy, doesn't it? But that's what...

Friday, September 1, 2023

Though baseball and stock market investing may not seem to have much in common, there are a few key similarities—both are stats-driven and require focus, a relative lack of emotion, and a clear mind. And when it comes to...

Friday, September 1, 2023

Because inflation could reduce your purchasing power over time, you'll probably need to contribute more to your retirement plan than you think. What seems like a healthy amount now is likely to feel smaller and smaller over time. All...

Tuesday, August 1, 2023

The earlier you start saving, the easier it will be to send your kids to college The month of August is when many parents are preparing to send children back to school this fall. While the checklists grow and the kids soak in the last...

Tuesday, August 1, 2023

Retirement planning is a constantly evolving process. Strategies that may have worked fine a few years ago may no longer be the optimal direction to continue. Your life may have taken unexpected turns, you may have different retirement...

Tuesday, August 1, 2023

Establishing and sticking to a budget is an important life skill to learn, even for college students who are focused on keeping up their grades and getting a good job when they graduate. Budgeting may help them understand how much...

Tuesday, August 1, 2023

It’s so easy to get caught up in the bliss of summer that, before you know it, the new school year is a week away. To avoid being struck with last minute panic, here are a few things to ask yourself before the first day of school...

Wednesday, July 12, 2023

Now that we’re beyond the midpoint of the investing year, it’s a great time to look at where we’ve been—to help position your portfolio for the latter half of the year. Our Midyear Outlook: The Path Toward...

Saturday, July 1, 2023

Financial freedom is a state of being in control of one's finances, covering expenses easily, and saving for future goals. Financial freedom enables you to choose how you spend or interact with your money and have the choice to decide...

Saturday, July 1, 2023

The “Sandwich Generation” faces a lot of struggles. If you’re unfamiliar with this term, it describes a demographic where usually middle-aged individuals must support aging parents at the same time they’re...

Saturday, July 1, 2023

Being a small business owner can be rewarding but also may bring a lot of stress. You may be experiencing the pressures of trying to grow your company while providing a solid future for your employees. On top of all that, you will also...

Saturday, July 1, 2023

America’s Founding Fathers created the foundation of a nation like no other. Each had goals and dreams, many with high expectations of what the United States of America could become. For today’s citizens, it may be possible...

Thursday, June 8, 2023

Every so often Washington likes to remind us how hard it can be to get things accomplished. The most recent example is the debt ceiling—the amount Congress can borrow to pay its bills. It seems like we have this debate every few...

Thursday, June 1, 2023

For kids, teens, and college students, summer break often represents freedom from schedules, responsibilities, and all those other drains on your time. Retirement actually can provide a similar level of freedom, but only if you've...

Thursday, June 1, 2023

Golfing and investing may not seem to share much common ground at first glance. But the more you think about it, a successful golfer and a successful investor share a number of traits such as patience, perseverance, attention to detail...

Thursday, June 1, 2023

Although many things have changed in the financial world over the past 20 years, some nuggets of financial advice are timeless. Here are a few tips that have remained constant for several generations.Always Spend Less Than You...

Thursday, June 1, 2023

   Before making any assumptions about which benefits to offer, consider soliciting ideas from your employees.The best benefit programs are those that your employees value most.If you're a small business owner, you face...

Monday, May 1, 2023

Utilizing a 529 Plan as a Wealth Transfer Tool529 plans are designed for saving for education and are beneficial since contributions accumulate and grow tax-free as long as withdrawals are used for qualified education expenses. But 529...

Monday, May 1, 2023

Money Milestones: 4 Financial Goals for Older IndividualsIf you saved for retirement for a while, you might look forward to a break from financial responsibility for the remaining portion of your life. But striving for economic...

Monday, May 1, 2023

Four Actions to Take if You’re Retiring Next YearRetirement is a major transition point – as you go from saver to spenderIt's common for people who are retiring to set their retirement date in either the springtime or the...

Monday, May 1, 2023

Mother Knows Best: 6 Small Business Lessons We Learned From Our MomsMothers are our teachers, starting from the time we are born and lasting throughout our lives. They have a role in teaching us how to be good people, take care of...

Monday, May 1, 2023

7 Ways to Show Your Gratitude During Military Appreciation MonthMay is Military Appreciation Month and the perfect time to express your gratitude to military members for their service. Whether you come from a military family or are...

Saturday, April 1, 2023

Why Financial Literacy is Crucial for Business Owners Everyone needs to have some level of financial literacy to help manage their finances. However, financial literacy becomes even more crucial when you're a business owner. You...

Saturday, April 1, 2023

5 Last Minute Considerations Before Tax Day With April’s federal tax filing and payment deadline on the horizon, Americans are dotting their i’s and crossing their t’s as they prepare for the countdown to Tax Day...

Saturday, April 1, 2023

6 Money Myths That Are Limiting Your Wealth When people think of “myths,” they often think of such stories as Pandora’s Box (the woman who took the lid off of a jar releasing all of the world’s ills upon...

Saturday, April 1, 2023

The Best Investment: Teaching Your Children to Save and Invest   A 2022 Gallup Poll found that 58% of all adult Americans own stock. The top 1% owns more than half the total amount invested among those who own stock. 1 Making...

Wednesday, March 1, 2023

Being Your Own Boss – A Different Kind of Freedom It is a dream of many people to be able to own and run their own business. You have the potential to make a living and support your family, and being an entrepreneur provides a...

Wednesday, March 1, 2023

Spring Has Sprung: Time to Refresh Your Retirement Plan Spring can be a fantastic time to refresh your retirement plan and savings habits. With 2023 bringing increased limits for 401(k)s, individual retirement accounts (IRAs), Health...

Wednesday, March 1, 2023

Luck of the Investor: Making Your Own Luck on St. Patrick's Day As Samuel Goldwyn once said, "The harder I work…the luckier I get!" 1 But when it comes to investing, luck may play a huge role in outcomes—no matter how hard...

Wednesday, March 1, 2023

What Should Women Entrepreneurs Know About Succession Planning? As an entrepreneur, there are multiple demands on your time and matters that require prioritizing. But while you're juggling strategic planning decisions for your business,...

Wednesday, March 1, 2023

Pay Down Debt or Save for Retirement? You can use a variety of strategies to pay off debt, many of which can cut not only the amount of time it will take to pay off the debt but also the total interest paid. But like many people, you...

Wednesday, February 8, 2023

OVERVIEWThrough all the challenges, newfound opportunities, and every high and low we’ve experienced during the last couple of years, it’s no surprise why we might be striving for more balance. Whether it’s about the...

Wednesday, February 8, 2023

Being Your Own Boss – A Different Kind of Freedom It is a dream of many people to be able to own and run their own business. You have the potential to make a living and support your family, and being an entrepreneur provides a...

Wednesday, February 8, 2023

4 Ways to Be Your Own Financial Valentine Whether you're single, paired, or somewhere in between, Valentine's Day may present the perfect opportunity to show your bank account some love. Below are four tips and tricks to set you on the...

Tuesday, February 7, 2023

Cents-per-mile rule, parking and transportation benefits and health FSAsThe IRS has released the 2023 final version of its Publication 15-B (The Employer’s Tax Guide to Fringe Benefits).The “What’s New”...

Tuesday, February 7, 2023

Financial Planning For Your Pets Really is a Thing We spend billions annually on our pets, so pet planning really is prudent Are you a good pet owner? Owning an animal means more than feeding it and loving it. Pets aren’t cheap, so...

Wednesday, February 1, 2023

3 Practical Time Management Tips for Investors For many, spending more quality time with loved ones and friends is a New Year’s resolution or work-life balance goal. But for investors who are accustomed to keeping a close eye on...

Wednesday, January 4, 2023

You don't need to wait until the end of the year to look for ways to minimize your tax liability. Tax planning should take place throughout the year to have you prepared well ahead of tax season. Here are six ways to minimize your tax...

Wednesday, January 4, 2023

Though the New Year may bring with it a new opportunity to set and achieve financial goals, the thought of making sweeping changes to your budget and lifestyle may be overwhelming. What can you do to improve your odds of success in...

Wednesday, January 4, 2023

What is business tax planning?When starting a business, you must consider a number of tax-related issues. Although business tax planning is a complicated area, it is essential to understand three major topics: tax consequences when the...

Wednesday, January 4, 2023

New Year’s resolutions tend to come with a lot of hype, but sometimes little return. Our lives get busier, and the promises we made to ourselves at the beginning of the year can lose their luster. But putting that energy into...

Monday, July 6, 2020

If your stress and anxiety levels are reaching a breaking point, you’re not alone. A recent Kaiser Family Foundation (KFF) poll found 45 percent of adults in the United States are feeling worry and stress related to the coronavirus....

Thursday, July 2, 2020

2020 is destined to become an indelible chapter in American history. In just six months, we have suffered a pandemic, encountered economic and financial disruption, and tackled civil justice issues. After all that, we deserve a...

Monday, June 29, 2020

As coronavirus restrictions ease and businesses reopen, the American economy should gain steam. Data released in May and June, including employment, payroll, and manufacturing numbers, suggested the economy may have hit bottom in April...

Thursday, June 18, 2020

Break out the socks and neckties! It’s time to celebrate your dad. See what you know about Father’s Day by taking this quick trivia quiz: 1. When is Father’s Day in the United States? a. Second Sunday in Mayb. Third Sunday in Junec....

Wednesday, May 27, 2020

Life as we know it has changed dramatically during 2020. As the coronavirus spread across the United States, cities and states issued shelter-in-place orders to slow the spread of the coronavirus and prevent healthcare facilities from...

Thursday, May 21, 2020

At 3:00 p.m. local time on Monday, May 25, 2020, the National Moment of Remembrance takes place by silently thanking the men and women of the United States military who gave their lives for our country.1 Originally, Memorial Day was...

Thursday, May 7, 2020

Whether they stay at home or work for a company, moms rarely have just one job. They’re event planners, coaches, interior designers, chefs, art directors, judges (and juries), housekeepers, maintenance supervisors, network...

Wednesday, April 15, 2020

If you have ever been flattened by a rogue wave while fishing or sunbathing on the shore, you probably recognize the emotional responses that have accompanied the pandemic wave crashing across the United States – shock, anxiety, and...

Thursday, March 12, 2020

St. Patrick’s Day is a day of unity. In the past, St. Patrick was celebrated by Irish Protestants and Irish Catholics. As it has been said, everyone is Irish on St. Patrick’s Day. See what you know about this celebration of Irish...

Friday, March 6, 2020

In late February, concern that efforts to contain Coronavirus Disease 2019 (a.k.a. COVID-19) might result in slower global economic growth disrupted global markets. Share prices fell as economists and financial analysts revised growth...

Wednesday, March 4, 2020

The coronavirus, which is now officially called Coronavirus Disease 2019 (COVID-19), has received a lot of attention. Since the outbreak began in China, late in 2019, the disease and efforts to understand and manage it have made...

Thursday, February 27, 2020

There was a little something for everyone in the ‘Setting Every Community Up for Retirement Enhancement’ (SECURE) Act, a piece of bipartisan legislation that was attached to the United States federal spending bill and signed into law...

Wednesday, February 12, 2020

Valentine’s Day and love songs go hand-in-hand. If you’re looking for a way to show love and appreciation, consider sharing some of the most popular love songs of all time. Here are a few of the most popular, according to Billboard...

Thursday, January 30, 2020

The best place to retire in the United States is in dispute. There’s no formal debate, but a review of reliable publications showed surveys have named different states and cities as the “best” place to retire. For instance: • Iowa was...

Thursday, January 16, 2020

In 2019, a Pew Research Center survey reported many Americans were pessimistic about the future. Their worries included the national debt, the gap between the rich and the poor, and automation.1 Martin Luther King was sometimes...

Monday, January 6, 2020

Since 2011, the number of Americans owning smartphones has increased from 35 percent to 81 percent, although there remains a significant digital divide, demographically. A Pew Research survey found the vast majority of younger...

Wednesday, January 1, 2020

Not everyone is financially prepared for retirement. Earlier this year, the Employee Benefit Research Institute estimated almost 41 percent of American households will run short of money in retirement. That’s an improvement over 2014...

Monday, December 30, 2019

If you’re not fond of New Year’s resolutions, then start or adopt new traditions that help get the year off to a positive start. Your new tradition should be something you can repeat each year with family and friends. Here are a few...

Monday, December 23, 2019

No matter what holiday you celebrate, we hope it’s filled with joy, laughter, and heartfelt happiness. That said, we know holiday cheer can be overwhelmed by the pursuit of perfection and opinions of relatives. Just in case your...

Monday, December 2, 2019

You’ve probably never asked your adult children and younger relatives whether they have security software on their computers and devices. Why would you? They’re digital natives, born with keyboards under their fingertips.It may be time...

Tuesday, November 26, 2019

Thanksgiving is all about gratitude. In 1621, the Plymouth colonists shared an autumn feast with the Wampanoag Indians. They were celebrating survival and friendship. It’s also a poignant story.1About one-half of the passengers who...

Thursday, November 7, 2019

After World War I, many nations celebrated the end of “The Great War” by establishing Armistice Day. Eventually, the holiday was broadened to celebrate those who served in all wars. In the United States after World War II and the...

Thursday, October 31, 2019

One of the most discussed topics in the United States is retirement security. Few Americans have set aside enough savings to live comfortably throughout retirement. In fact, the most recent National Retirement Risk Index (NRRI)*...

Tuesday, October 29, 2019

Americans expect to spend $8.8 billion on costumes, decorations, candy, and other Halloween purchases, according to the National Retail Federation.1That’s enough money to purchase the New England Patriots ($3.8 billion), the Los...

Wednesday, October 2, 2019

What data about you is most important?The data that identity thieves are after – social security, credit card, and bank account numbers – is important, as well as more basic data which is being collected by companies whose devices you...

Monday, September 30, 2019

The simple answer is probably.Historically, the American economy has grown in fits and starts, otherwise known as recessions and expansions. As a result, it is likely there will be another recession in the United States.What are...

Tuesday, September 3, 2019

Would you give up a share of $62 billion?Would you give up a share of $62 billion?If your answer is no, then you may be a member of the relatively small group of Americans (36 percent) that takes all of the vacation days available to...

Thursday, August 29, 2019

Just over 100 years ago, Americans typically worked physically demanding jobs. Adults toiled 12 hours a day, seven days a week for low wages. Americans did not take lunch breaks. They did not get sick days or vacations. They were not...

Tuesday, July 30, 2019

The world is becoming smarter and more connected all the time – and that has serious implications for people who want to protect their personal data and their privacy. If you’ve been enjoying the convenience of smart utilities and...

Tuesday, July 9, 2019

A Prescription for Dementia Prevention If you’ve ever played a party game that asks you to make difficult decisions, you may have run into a question like this one: Would you rather enjoy good physical health all of your life or good...

Thursday, June 13, 2019

Most dads have at least one recipe they like to cook for family and friends. Some have dozens. This year, celebrate Father’s Day by collecting the recipes from the men in your family. Bring a notebook to your next family celebration...

Thursday, May 30, 2019

Throughout history people have made inheritance choices that are inexplicable to others. In 1926, Harry Houdini left his magical equipment to his brother, his pulled-from-the-hat rabbits to the children of friends, and a series of...

Thursday, May 23, 2019

Memorial Day is a day of remembrance. It’s the time when we pay our respects to the men and women who died fighting for our country. See what you know about this important holiday by taking our Memorial Day quiz.1. What did the...

Thursday, May 9, 2019

Moms are like snowflakes. No two are exactly alike. So, when you’re thinking about what to give your mom for Mother’s Day, consider a gift that is as unique as she is -- share your memories with her. Here are some prompts to get you...

Monday, April 29, 2019

Where do you set aside the money you’re saving for retirement? If you’re like many Americans, you save for retirement primarily through an employer’s retirement plan, according to Pew Research.1Unfortunately, less than one-half of...

Wednesday, April 3, 2019

If someone tells you older people need less sleep than younger people do, don’t believe it. Older Americans need about eight hours of sleep, just like everybody else. What’s different is quality sleep is harder to come by as you age....

Thursday, March 28, 2019

It’s no secret healthcare costs are going up. Medical expenses have been steadily increasing for years. In 2007, costs were up almost 12 percent. However, the rate of increase slowed to 6 percent during the past five years and that...

Thursday, March 14, 2019

On St. Patrick’s Day, it’s okay to celebrate even if you’re not Irish. St. Patrick himself wasn’t Irish. As we celebrate, we would like to share some of our favorite facts and tidbits about St. Patrick’s Day:1 • St. Patrick’s Day is an...

Wednesday, February 27, 2019

How many password-protected accounts do you have?If you keep mental inventory, use a password manager, or have a written record of your passwords (which is not recommended by anyone), take a quick count. You’re likely to find you may...

Tuesday, February 12, 2019

Valentine’s Day means different things to different people. Some welcome Valentine’s Day as a time for romance, while others see it as an opportunity to cherish friends and family. No matter how it’s celebrated, Valentine’s Day...

Tuesday, January 29, 2019

Whether you own a house or rent an apartment, building a smart home is easier than it has ever been. Homeowners and renters can purchase kits that integrate specific smart items or they can select smart home products, such as light...

Thursday, January 17, 2019

In 1983, President Ronald Reagan signed legislation establishing the third Monday of January as Dr. Martin Luther King, Jr. Day.1 Dr. King, who is remembered for his powerful oratory and transformative ideas, once said, “Life’s most...

Thursday, January 10, 2019

Bella. Coco. Charlie. Lucy. Max. No matter the name, many pets are considered to be members of the family, providing companionship, protection, and unconditional love. The pet-owner relationship has some powerful benefits, which may...

Monday, January 7, 2019

It’s only January, but you may want to jumpstart your 2018 taxes since there are a slew of new regulations that may affect you. The Tax Cut and Jobs Act (TCJA) of 2017 goes into effect this year so make sure you understand how tax...

Sunday, December 30, 2018

Eat healthier. Get more exercise. Save more money. Those were the top New Year's resolutions for 2018, according to Statista.1 Few people achieved them. One of the reasons so few resolutions become reality is because people tend to...

Thursday, December 20, 2018

Holidays can be joyful and a little stressful. Here are a few ways to bring a moment of happiness into your life and the lives of those around you:1 • Take time to call an old friend.• Buy coffee for a stranger.• Briefly chat with your...

Friday, November 30, 2018

When the ups and downs of stock markets leave you stressed and wondering whether stocks really will help you pursue your long-term financial goals, there are two things to remember:1. Historically, over long periods, stocks have tended...

Friday, November 30, 2018

When the ups and downs of stock markets leave you stressed and wondering whether stocks really will help you pursue your long-term financial goals, there are two things to remember:1. Historically, over long periods, stocks have tended...

Tuesday, November 20, 2018

Thanksgiving is a true American holiday. It celebrates generosity and gratitude, and it recognizes the relationships that helped colonists who arrived on the Mayflower in 1620 survive beyond their first winter. History.com explained:1...

Thursday, November 8, 2018

There are more than 20 million veterans living across the United States. These men and women fought in World War II, the Korean War, the Vietnam War, the Gulf War, the Iraq War, the War in Afghanistan, which continues today, and many...

Tuesday, October 30, 2018

It’s a pricey question.It’s a pricey question.College Board estimated the average cost for full-time, in-state students who live on campus at four-year public colleges or universities during the 2017-18 school year is $25,290...

Monday, October 29, 2018

If trick-or-treating in your neighborhood requires a trick to get a treat, your little ghosts and goblins will need some short and easy-to-remember options. Here are a few that were recommended by Reader’s Digest:1• What has hundreds...

Wednesday, October 10, 2018

Remember the television classic, Green Acres? Eddie Albert, who portrayed a New York City lawyer, and Eva Gabor, who portrayed his sophisticated spouse, move from the big city to the country – and it’s not quite what they expected...

Monday, October 1, 2018

Here’s a number that will knock your socks off: $400 trillion.1By 2050, the retirement savings shortfall in eight of the world’s largest economies is expected to reach $400 trillion, according to estimates from the World Economic Forum...

Thursday, August 30, 2018

Labor Day is set aside to celebrate the social and economic achievements of American workers. It was proposed as a holiday by Matthew Maguire in 1882 while he served as secretary of the Central Labor Union in New York, NY. The labor...

Wednesday, August 29, 2018

How long will you live? How long will you live? It’s not a question anyone can answer with any certainty, and that creates a significant risk when planning for retirement. Your retirement may last for a long time, and you will need to...

Thursday, August 2, 2018

In recent years, investors have largely ignored geopolitical risks. Russia’s invasion of the Crimean Peninsula, the Brits’ vote to leave the European Union (EU), unrest in the Middle East, and other global events have not affected...

Thursday, July 5, 2018

In the olden days, the word ‘subscription’ typically was applied to just magazines and newspapers. Today, that’s not the case. Americans are buying everything from meal kits to baby products to vitamins by subscription. A McKinsey &...

Monday, July 2, 2018

On July 4, 1776, the American colonies banded together and declared independence from Great Britain. The countries had been at war for more than a year due to a number of issues, particularly in regards to harsh taxation and a lack of...

Thursday, June 28, 2018

To the relief of many South Africans, Day Zero has been pushed back to 2019. Day Zero is the date on which Cape Town will run out of water, and its four million residents will begin to collect daily water rations of about seven gallons...

Thursday, June 14, 2018

There are many perceived requirements of being a dad. “One of the jobs of a good dad is to help kids become a little tougher, a little more resilient, a little more separate…dads push kids to leave the nest; they brush off the dirt...

Wednesday, June 6, 2018

The words ‘bear market’ have been bandied about a lot lately. When you read or hear them, remember to respond the same way you would if you saw an actual bear in the woods – by staying calm and keeping your wits about you. A changing...

Thursday, May 24, 2018

If you’ve ever composed a grocery list in your head while driving carpool and listening to your children discuss who got in trouble at school and why, then you know what it’s like to have your attention divided. If you’ve ever worked...

Thursday, May 10, 2018

Mother’s Day is almost here! We all have moms and, whether they gave birth to us or not, they have helped us become the people we are today. Here are 10 reasons moms are so important, adapted from Psychology Today:11. She gave birth to...

Thursday, April 5, 2018

Technology is a life changer. GPS has improved interpersonal relations by eliminating arguments about asking for directions. Apps for car services, food delivery, video streaming, news media, and social media have changed the way we...

Wednesday, March 28, 2018

“There’s no place like home.”1Conjuring an image of ‘home’ was a lot easier for Dorothy than it is for people who are on the cusp of retirement. After all, isn’t retirement supposed to be a new start? Aren’t retirees supposed to wave...

Wednesday, March 14, 2018

It’s almost time to don green and gold. That’s right, March 17 is upon us. There’s more to the holiday, however, than eating corned beef and cabbage and celebrating the Irish. For instance, St. Patrick is the patron saint of Ireland,...

Tuesday, February 27, 2018

Here’s a number most people would like to see on an annual statement: 21.6 percent. That was the annual return for the Standard & Poor (S&P) 500 Index during 2017. In general, U.S. stock indices did quite well last year – and the year...

Monday, February 12, 2018

If you’re looking for a gift that will express your love better than chocolates or a bouquet of flowers, don’t fret. Trendhunter.com has some innovative and unconventional suggestions:• Literary love tattoos. Perhaps, you’d like Rainer...

Tuesday, January 30, 2018

Here’s a riddle for you: Some people are reluctant to start me, unless I’m automatic. I’m frequently exhausted when I don’t roll over. I’m sometimes left behind. Retirees devour me. What am I? Answer: A retirement savings plan.New jobs...

Thursday, January 11, 2018

Most Americans know Martin Luther King, Jr. was a Baptist minister and the leader of the Civil Rights Movement in the United States until he was assassinated in 1968. Test your knowledge with this quiz about Dr. King.1. Before...

Wednesday, January 3, 2018

Fifteen years ago, a Health Services Research report described the challenges ahead for the United States as the Baby Boom generation aged into retirement. Four issues were paramount: 1) improving payment and insurance systems for...

Thursday, December 28, 2017

The last bear market in bonds began in the middle of the last century and lasted for about 31 years. Some investors who bought bonds in 1950 locked in relatively low rates of return for a very long time. On January 1, 1950, 10-year U.S...

Thursday, December 28, 2017

New years bring new adventures, and 2018 is no different. To paraphrase Ed Sullivan: 2018 could be a really big year. Here are a few of the events we can look forward to:• Men’s World Cup in Russia. CBS’s power rankings put Brazil at...

Wednesday, December 20, 2017

“The holidays are often seen as a time of joy: ruddy cheeks, festive parties, and twinkling laughter, all wrapped in a warm, tinsel-framed glow. It’s the most wonderful time of the year! It may be the ‘season to be jolly,’ but not...

Wednesday, November 29, 2017

There is a simple and unsettling reality in the United States. Most Americans are not financially prepared for retirement. There is a simple and unsettling reality in the United States. Most Americans are not financially prepared for...

Sunday, November 19, 2017

Thanksgiving is the mother of all family dinners. It’s a celebration of our great nation and the many blessings that occur when people unite together in the spirit of communication. As you’re gathered around the table this year, here’s...

Wednesday, November 8, 2017

All too often, we assume the men and women who fought for our country can take care of themselves. Unfortunately, that isn’t always the case. There are some important ways ordinary Americans can help those who are returning from battle...

Monday, October 30, 2017

Retirement and Social Security are inextricably linked. Not only did Social Security help establish the official U.S. retirement age at 65, it also provides a significant portion of today’s retirees’ incomes. Retirement and Social...

Friday, October 27, 2017

Halloween is almost upon us! Whether you’re wearing a costume, decorating your yard/house, or handing out treats, you won’t be alone. More than 179 million Americans are expected to participate in 2017’s Halloween festivities – and...

Wednesday, October 4, 2017

Smartphones are incredibly handy. That may be why about three of every four Americans own them.1 On average, smartphone users spend almost three hours a day – 86 hours every month – using their phones. They send texts and email,...

Thursday, September 28, 2017

How times change! In 1940, half of Americans finished their education in eighth grade. College degrees were relatively rare. Just 6 percent of men and 4 percent of women had one.1During the past 80 years, college has become far more...

Thursday, August 31, 2017

Labor Day is about a lot more than the end of summer and the start of a new school year. The holiday, which celebrates American workers, became a federal holiday in 1894 and was created to recognize the contributions and achievements...

Wednesday, August 30, 2017

In a 2002 interview with Mike Wallace, former First Lady Nancy Reagan said she often reread the love letters written by her husband, former President Ronald Reagan. The letters, which had sustained and enriched their relationship,...

Friday, July 28, 2017

While some may be concerned about the iconic American meat that arrives in a rectangular 12-ounce tin (and is inexplicably popular in certain island states and American territories), more should be wary of its namesake – the spam that...

Wednesday, July 12, 2017

The idea of Artificial Intelligence (AI) may bring to mind movies like Terminator, Wall-E, and Transcendence, but the reality of AI is expected to help people find answers to some significant issues. For example, a PwC survey found:1 •...

Friday, June 30, 2017

On July 4, 1776, the American colonies claimed independence from Britain. This declaration eventually led to the formation of the United States. As we celebrate the birth of our great nation, test your knowledge with this brief quiz.1...

Thursday, June 29, 2017

The bull market in U.S. stocks has been charging ahead for more than eight years.1 While that’s young in people years, it’s ancient in bull market terms. Since World War II, the longest bull market in U.S. stocks lasted for almost...

Thursday, June 15, 2017

You’re probably familiar with ‘20 Questions.’ It’s a classic long-distance-car-trip game that encourages creativity and deductive reasoning. On this Father’s Day, try playing a version that can help you learn a lot more about your...

Tuesday, May 30, 2017

Wouldn’t it be something if you could plump up your retirement savings as easily as you can put on a few pounds eating fast food? Here’s one way to do it: Open a health savings account (HSA). It offers a triple tax advantage and you...

Thursday, May 25, 2017

Memorial Day is a day of remembrance for those who have given their lives in the service of our country. See what you know about Memorial Day by answering a few questions from an AARP quiz.1 1. Memorial Day was created to honor...

Thursday, May 11, 2017

Changing diapers, arranging play dates, driving car pools, calming squabbling siblings, attending musicals and sporting events, chaperoning proms, coaching teams, helping with college applications…moms have a lot of responsibilities....

Thursday, April 27, 2017

We are all, inexorably, marching toward old age. By 2030, 72 million Americans will be age 65 or older.1 The good news is longevity has been improving, and people are remaining healthy and vibrant at older ages. The bad news is...

Monday, April 3, 2017

Some people may name a medical device or implant, such as a hearing aid, an artificial joint, or a pacemaker. Others may say they couldn't live without their electric bikes, GPS devices, tablets, or food processors. A surprisingly...

Thursday, March 30, 2017

It’s tax season! Every year, around this time, the Internal Revenue Service (IRS) publishes its dirty dozen – a list of scams criminals use to try and ferret out personal information and/or steal money.1 For example, if you received an...

Wednesday, March 15, 2017

It has been said everyone in America is Irish on St. Patrick’s Day. Whether you have Irish ancestry or merely enjoy a good celebration, test your knowledge of the old country by taking this quiz. 1. What is Gaeltacht?1a. A region of...

Monday, February 27, 2017

More than one-half of working Americans know little or nothing about Medicare costs.1 Not knowing can be expensive. On average, people who haven’t yet retired estimate they’ll spend approximately $50,000 on health care after retirement...

Friday, February 10, 2017

The celebration of Valentine’s Day is attributed to Geoffrey Chaucer who wrote a poem about love and St. Valentine in the 1300s. Although this poem did not mention chocolate, the tasty treats have since become a Valentine’s Day...

Monday, January 30, 2017

How many times did you login to a digital account today? It probably was more than once. Some people access digital sites via computer or tablet, but many others rely on their phones. Deloitte recently reported the essentials of life...

Thursday, January 12, 2017

In 1964, Dr. Martin Luther King, Jr. received the Nobel Peace Prize. He accepted the award and took the opportunity to articulate his hope the civil rights movement would be successful, as well as his hope for all mankind:1 “…I must...

Tuesday, January 3, 2017

…And, it may have some thorns. There’s something you should know about retirement. It’s not as easy as everyone makes it seem. Remember what life was like when you tied the knot? How about once you had children? Or, when you accepted a...

Thursday, December 29, 2016

Holiday Greeting - The Way You Eat in 2017 What can we expect in the New Year? If international food consultancy Baum + Whiteman is correct, we may find ourselves embracing new food trends including:1 • Restaurants without seats. We...

Thursday, December 29, 2016

Retirement IncomeHere’s a million dollar question: How will you transform your savings into income that will last throughout your retirement?1There are probably as many answers to that question as there are retirees. However, all...

Wednesday, December 21, 2016

We hope your holidays will be filled with family, friends, merry-making, and good cheer. One way to ensure a happy holiday season is to stay safe online. Here are a few tips that may help. 1. When using public Wi-Fi at a hotel, coffee...

Tuesday, November 29, 2016

For about 35 years, investors have enjoyed a bull market in bonds. At the start of 1982, the interest rate on 10-year U.S. Treasury bonds was 14.2 percent. By November 1, 2016, interest rates had fallen to 1.8 percent.1 Since bond...

Tuesday, November 22, 2016

Thanksgiving is America’s second favorite holiday,1 and it offers something for everyone. You can enjoy family togetherness, feasting, football, school plays, parades, gratitude, and, of course, shopping. If you’re a traditionalist,...

Wednesday, November 9, 2016

“American soldiers in battle don’t fight for what some president says on TV. They don’t fight for Mom, apple pie, the American flag. They fight for one another. ”1 Stars and Stripes used the words of Lieutenant Colonel Harold “Hal”...

Friday, October 28, 2016

In the 1970s, a TV episode of The Odd Couple taught viewers never to assume.1 It’s a lesson we appear to have forgotten. Many Americans assume Medicare will provide financial assistance to help with long-term care costs in retirement....

Thursday, October 27, 2016

People of a certain age will remember ‘It’s The Great Pumpkin, Charlie Brown.’ The animated television special debuted in 1966,1 way back when there were only a few channels and you had to get out of your seat to change them from one...

Friday, September 30, 2016

That’s how much Americans had spent on pain relief medications and treatments when the Institute of Medicine (IOM) completed its report in 2011. If you factor in lost productivity, the economic cost of pain rose to more than $560...

Thursday, September 29, 2016

If you ask people what creates stress in their lives, money is often at the top of the list. Stress in America: Paying With Our Health found money was a somewhat or a very significant source of stress in the lives of 64 percent of...

Thursday, September 1, 2016

Labor Day weekend — the three days dedicated to celebrating American workers — marks the end of summer and, for some, the start of a new school year. It’s a good time to relax and ponder thoughts about work and play: “No work is...

Tuesday, August 30, 2016

You may not have heard of the Longevity Market but, if you’re older than 50, you’re one of its 74.9 million members.1 It may be easiest to think of the Longevity Market as another way of describing the Baby Boom and preceding...

Thursday, July 28, 2016

Most investors are familiar with the maxim ‘buy low and sell high.’ The unfortunate reality is that it’s a difficult principle to follow. Buying low often means investing in a company when its shares are priced below full value.Of...

Tuesday, July 5, 2016

Would you accompany a group of high school students studying photojournalism and social change in Argentina? How about a group learning about language and culinary traditions in France? Does working for a season or two in a great place...

Thursday, June 30, 2016

Our Founding Fathers structured American democracy and left a legacy that has greatly influenced the world. This Fourth of July, see what you know about the Founding Fathers by taking this brief quiz. 1. Who were America’s Founding...

Wednesday, June 29, 2016

You may be asking yourself whether that’s a trick question. After all, almost one-third of 18- to 34-year-olds are still living at home with their parents. It is, in fact, the most common living arrangement for this age group and a...

Friday, June 17, 2016

For several years, researchers at Boston College have been studying the experiences and expectations of fathers. As you might suspect, the way in which men understand the role of ‘Dad’ has been changing. While some still believe their...

Tuesday, May 31, 2016

In medieval times, alchemists sought methods for transforming ordinary metals into gold. Today, just about every adult searches for a means of transforming savings into a retirement’s worth of income. Recently, they received help from...

Friday, May 27, 2016

Before the big barbecue, take time this Memorial Day weekend to honor the men and women who gave their lives fighting for our country. If you’re looking for a way to remember those brave Americans, here are a few suggestions:1 • Raise...

Friday, May 6, 2016

Scientists have been mapping our mothers’ brains! They haven’t found eyes in the back of her head, or a way to help her worry less, but they are beginning to understand the mother-child bond better:1 “After centuries of observing...

Sunday, May 1, 2016

Super Bowl winners, the length of hemlines, and Sports Illustrated covers – all of these have been used to develop theories about the direction in which stock markets may be headed. Presidential elections and terms have also inspired a...

Thursday, April 7, 2016

If you receive a voice or email message from the Internal Revenue Service (IRS), or you field a phone call from an IRS agent informing you “you owe back taxes” and “you better pay now or be arrested (or deported)...

Thursday, March 31, 2016

College students have steep learning curves. In high school, they were tasked with doing well academically, participating in extracurricular activities, complying with the rules of their parents’ homes and, possibly, having a job...

Tuesday, March 15, 2016

If wars were fought with words, Ireland would be ruling the world. --Irish proverb1 The wit and humor of the Irish is legendary, as is their ability to weave words into poems, prose, folk tales, and song. On this St. Patrick’s...

Friday, February 26, 2016

It’s almost tax time. During April, many people take advantage of the opportunity to reduce taxes by funding a Traditional IRA. While that makes sense for some Americans, others may benefit by contributing to a Roth IRA that...

Friday, February 12, 2016

Are you looking for just the right Valentine’s Day message for someone you love? Here are a few suggestions that have a decidedly financial twist from 14 Ways an Economist Says I Love You by Liz Fosslien. The messages are...

Friday, January 29, 2016

The world’s first central bank offered unprecedented convenience. It gave 17th century Swedes the option to pay with paper notes rather than 40-pound copper plates, which were the currency units of the Swedish empire at the time....

Thursday, January 14, 2016

Dr. Martin Luther King, Jr. was a complex man who took an unconventional approach to a difficult problem. He used non-violent protests to focus attention on civil rights in the United States. While he fought the status quo, he...

Thursday, January 7, 2016

Understanding 2016’s Higher Medicare Part B PremiumsOne-in-seven Medicare enrollees will pay higher Medicare Part B monthly premiums during 2016. Their premiums will be $121.80 each month, an increase of 16 percent. While...

Thursday, December 31, 2015

From early Babylonians to present-day Americans, people have been celebrating the beginning of every new year for almost four thousand years!1 Here are a few ways people celebrate the holiday in the United States:2 61 percent of...

Tuesday, December 22, 2015

December is full of high spirits and good cheer. If you browse online, you’ll find some surprising holidays amidst more well-known celebrations. Just in case you need more reasons to celebrate the season, here is a list of major...

Wednesday, November 18, 2015

Thanksgiving traditions aren’t quite as straightforward as the elementary school plays about Pilgrims and Native Americans sharing a feast would have us believe. History.com suggests that’s because Thanksgiving is,...

Friday, October 30, 2015

Veterans are skilled leaders and problem solvers who have a lot to offer in and out of the service. Got Your 6, a campaign to empower veterans in America, offered some interesting insights about the men and women who have chosen to...

Monday, October 26, 2015

You may have heard of tax loss harvesting. Some people harvest losses every year, while others do so only when they have taken significant capital gains or have received more income than expected during a given year (perhaps they sold...

Monday, October 19, 2015

A number you’re probably not looking for is 1.5 billion. That’s the number of pounds of pumpkins grown every year. History.com said that’s more than twice the weight of the Empire State Building. Here are a few other interesting...

Tuesday, October 6, 2015

If you’re 57 or older, it’s a pretty good bet you take at least one prescription medication. If you take more than one, it’s really important to understand how the drugs may interact with one another in your system – particularly, if...

Monday, October 5, 2015

Twenty-five years ago, the Americans with Disabilities Act was signed into law, guaranteeing disabled Americans – people with mental, physical, or emotional disabilities – equal opportunity in employment, transportation, government...

Tuesday, August 25, 2015

Workers are essential to innovation and success. According to the London School of Economics (LSE), they’re a source of ideas for new products, new services, new approaches to work, and new business models.1Worker-led innovation must...

Wednesday, August 19, 2015

Healthcare. Retirement. Those may be two of the most stressful words in the English language today. Especially when you include them both in the same sentence. For instance, a married couple that saves $326,000 has a 90 percent chance...

Friday, August 7, 2015

How Do You Make Money in Stocks?Have you ever watched Family Feud? Perhaps you were a child when Richard Dawson hosted the game show or maybe you enjoy the current version. No matter, take a moment and:• Name a three-letter word that...

Thursday, June 25, 2015

People think about character in many different ways. You have probably heard or may have commented on someone else’s character by saying:• She is a woman of good character.• What a character!• That was really out of character.• He has...

Monday, June 22, 2015

Achieving U.S. citizenship can be life changing, but it is not easy. Those who aspire to become American citizens must pass a 100-question naturalization test and answer six of 10 questions correctly during their naturalization...

Wednesday, June 17, 2015

While your high school student is taking standardized tests, parsing college choices, and raring for graduation, you’ll probably find yourself spending some time with net income calculators on college websites. Whether your family’s...

Tuesday, June 9, 2015

Modern dads are a diverse bunch. They may go to work or stay at home with the kids. They may be single, married, or dating. They may be birth parents, adoptive parents, or step-parents.1 They may be expected to teach children morals...

Tuesday, May 12, 2015

There are many ways to show gratitude for the sacrifices made by the men and women who have died while fighting for our freedom. In 1868, General John Logan issued a Memorial Day Order that said:1“Let us, then, at the time appointed,...

Wednesday, May 6, 2015

When you think “Mom,” it’s likely your brain conjures up a scent or a story or a song that feels like home. Here are a few inspiring and heartfelt words that have been written about the value and importance of mothers:“A mother enables...

Monday, April 27, 2015

It all depends on you. Thanks to the Baby Boom generation, pre-retirees and retirees have a lot more options than did previous generations of Americans. There is a lot to consider before you decide where to live during retirement: your...

Tuesday, April 7, 2015

Before you know it – thanks to smart phones, tablets, and wireless technology – your home will be connected to the Internet of Things. Sure, home automation costs a few shekels, but just imagine it! You could be the envy of Jane Jetson...

Friday, March 6, 2015

St. Patrick, the apostle of Ireland, is one of the most well known and popular Catholic saints. Of course, he wasn’t actually Irish and his birth name wasn’t Patrick! Maewyn Succat was born to Calpurnius and Conchessa, a Roman couple...

Friday, January 30, 2015

Romantics welcome Valentine’s Day and having the opportunity to lavish loved ones with attention. Economists appreciate Valentine’s Day, too. Sure, the $13 billion spent on Valentine’s Day is just a drop in the $17 trillion bucket of...

Tuesday, January 20, 2015

You have probably heard the term ‘planned obsolescence.’ It’s also known as ‘shortening the replacement cycle.’ No matter what you call it, the strategy was developed by manufacturers to ensure consumers would buy products more than...

Tuesday, January 13, 2015

If you were to create a list of Americans who’ve had great influence on our country during the past 100 years, it would not be complete without the name Dr. Martin Luther King, Jr. While he’s best remembered for fighting for civil...

Thursday, January 8, 2015

Some people have a gift when it comes to gifts. Whether it’s a birthday, wedding, baby shower, Christmas, Hanukah, or some other occasion, they always seem to find just the right thing for each person. If you’re not an insightful gift...

Thursday, December 11, 2014

In addition to making wonderful memories during the holiday season, almost two-thirds of Americans – including people of all income levels – make the gifts they give to family and friends. It will come as no surprise more women than...

Wednesday, October 1, 2014

Sitting is bad for your health. Whether you’re sitting at a desk doing work, in a classroom listening to a lecture, or on a ship sailing the ocean, research suggests extended periods of sedentary behavior may increase the likelihood of...