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Managing Your Money in Retirement. Part 2: Growth Assets
As stated in the previous post, there are three competing concerns when managing money in retirement. These are: To generate enough income for expenses. To have the amount of money you possess grow...
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Make Your Money Last in Retirement
In this series we’ve talked about how to handle your money in retirement. As stated in the first post, there are three competing concerns when managing money in retirement. These are: To generate...
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A Simple Way to Invest in your IRA
Before the 401k, there was the IRA. The simple investment account that anyone who had earned income could use to save for retirement. For many years contributions to IRAs were held at a paltry...
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How to Not Lose Money when Investing, Part 1
Ever see those ads where you can invest and get returns from the stock market, but you’re guaranteed to never lose money and wonder how they could offer such a product? If you wanted to, you could do...
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How to Not Lose Money when Investing, Part 2
In the last post we talked about how you can use bonds to provide a steady income and to provide stability while using stocks to participate in the markets and get some growth. You buy enough in...
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Take Risks when You’re Young, Sleep Easy when You’re Old
Proper investing is all about taking appropriate risks. An appropriate risk is one where the reward justifies the risk you are taking. Basically, you want to maximize your reward to risk potential....
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Simple Choices to Become Wealthy
Most people think they can never become financially independent – that state where you have enough money to live the rest of your life without a job. Instead, they decide that they’ll need to labor...
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Is a Roth 401k Better than a Traditional 401k?
We’ve all heard the conventional wisdom. If you have an old, stodgy traditional IRA you should convert to a snazzy new Roth IRA. There is now even a new Roth 401k. Sure, you’ll need to pay all of...
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Good HSA Investing Can Let You Retire Early
If you are fortunate enough to have a Health Savings Account, or HSA, you might be able to retire earlier than a lot of your peers. Many people have the money to retire by their late fifties, but they...
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401K Changes that Would Work
401k plans are better than traditional pensions and way better than Social Security, if they are used correctly. The issue is that they are not used correctly. People are too timid and leave all of...
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