Does the Early Bird Get the Worm?

 

Social Security Benefits

When planning for retirement, the decision of when to begin taking Social Security benefits arises. Social Security is an important source of retirement income and, therefore, the decision can make a big impact on retirement income.

 

By: Ken Morris

When people plan and invest for retirement, the decision of when to begin taking Social Security benefits eventually comes up. Social Security is an important source of retirement income for many individuals and, therefore, the decision of when to take these benefits can make a big impact on retirement income.

A retired worker who is fully insured can elect …

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Federal Reserve Bank – Controlling Mortgage Interest Rates

 

Federal Reserve Bank

The Federal Reserve System acts as the central bank of the United States and every time the board of directors meets, mortgage interest rates are at risk. Therefore, homeowners should pay close attention to the Federal Reserve Bank system.

By: Dan Lewis

The Federal Reserve System acts as the central bank of the United States. Created in 1913, the Federal Reserve sets monetary and financial policies for the financial industry and trades currency with foreign countries. The Federal Reserve also acts as the bank for the federal government. When you send a check in with your tax return, …

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5 Ways Poor Credit Scores Cost You Extra Money

Poor Credit Scores Cost You Money

Your credit history can keep you from getting utility connections, good telephone rates, the best auto insurance, home owner’s insurance, or even keep you from getting hired?

By: Jeannette Joy Fisher

Most of us want a good credit report to obtain automobile financing, credit cards, and to purchase a home. But, beyond these consumer loans, your credit report can cost you in everyday living expenses. What you don’t know about your credit could be costing you money.

Having a credit card means that you can order tickets, rent a car, and reserve hotel rooms. Besides these conveniences, your credit report …

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Feathering Your Retirement Nest

 

Financial Options for Stress Free Retirement

Baby-Boomers have even more than lifestyle questions to consider in choosing their retirement nest. Boomers should take a look at the effect of state tax structures on their projected retirement income.

 

By: Ken Morris

What will you look for as you approach your “golden” years? Will it be an affordable condo on the golf course with room for the grandchildren to visit? Must it be close to friends and family or new “senior” friends living close by? Should it be near good medical facilities?

The average householder 65 or above earns only two-fifths as much as earners age …

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Prenuptial Agreements – Who Needs Them?

 

Prenuptial Agreement

Prenuptial or antenuptial agreements refer to a contract between two persons planning to marry which governs the rights and liabilities of the parties if they should happen to get divorced or in the event one spouse dies.

By: Maury D. Beaulier

Asking serious questions about how you see finances in the marriage partnership may save you pain and money later – and might even save your marriage.

A premarital agreement may also be called an antenuptial agreement. The terms are synonymous. Prenuptial or antenuptial agreements refer to a contract between two persons planning to marry which governs the rights …

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Divorce – Lower Cost Alternatives to an Attorney

 

Divorce - Lower Cost Alternatives to an Attorney

Divorce can affect your relationship with your children, your present finances, and your finances during the next 30 years. How you handle your divorce settlement can affect your life for many years.

 

By: Howard Iken

Many years ago hiring a divorce attorney was financially devastating for many people. Divorce was for the wealthy. The rest of us had no options. We had to beg, borrow, or steal to find the money for an attorney. But now there are more options than ever before for anyone facing a divorce.

Do Everything Yourself:

“Doing everything yourself” has become an option …

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Medicare and Your Health

 

Medicare and Your HealthOlder Americans who are covered by Medicare may benefit from tests for prostate cancer, breast, vaginal, cervical and colorectal cancer, diabetes monitoring, bone mass measurements and pneumonia and hepatitis B shots.

By: Viojeley Gurrobat

There is nothing more important than your health and the health of your family. Of course, education, food and shelter are also important, but at the end of the day the health of our family is probably the most important thing to us. After all, how can we get good education, put food on our table and build our family good shelter when we cannot …

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Retirement Tax Havens

 

Retirement Tax Havens

With state and local taxes on the rise, retirees should look closely at tax matters when formulating their retirement financial plan. Some states follow federal tax formulas for taxation of Social Security benefits.

 

By: Ken Morris

Financial planning is really life planning. Choosing a home, particularly a retirement home, involves many factors. With state and local taxes on the rise, retirees should look closely at tax matters when formulating their retirement financial plan.

Retirees who plan on continuing to work in their “golden years” should know that state taxation of such income varies widely. Some states …

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Debt Settlement vs. Debt Consolidation – Which Option is Better?

Debt Settlement vs. Debt Consolidation

Debt settlement and debt consolidation can reduce and eliminate your debt. However, each will have different consequences on your credit score and future financial options.

 

By: Carrie Reeder

Both debt settlement and debt consolidation can reduce and eliminate your debt. However, each will have different consequences on your credit score and future financial options. Before choosing either option, educate yourself on the pros and cons of each.

The Benefits of Debt Settlement
Debt settlement means that part of your debt is immediately wiped out by your creditor. You will find instant financial relief in your monthly budget and …

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Ways to Resolve a Credit Report Dispute

Credit Report

You can report and correct errors in your credit report. If you are correct, disputing an error in the report will provide good results as they will report the error to the credit bureaus and send you notification of the change.

By: John Rivers

Under the Fair Credit Reporting Act the reporting company and the information provider are responsible for correcting any credit report disputes. However, they must first be made aware that you have credit report disputes. A person can report and correct errors in their credit report by following two easy steps.

Step one is to report your …

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Ten Things You Might Not Know About Social Security

 

Social Security Benefits

After you attain your Normal Retirement Age, you may work as much as you want with no reduction in Social Security benefits. However, Social Security disability benefits do not continue past Normal Retirement Age.

 

By: Ken Morris

Social Security is a lot like the ozone layer–we all know it’s there now and we count on it being there in the future. Yet most people don’t know much more about it than that.

Here’s a short list of interesting facts about Social Security.

(1) Social Security benefits do not automatically start coming in the mail the first day …

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Lower Your Car Insurance Premiums

 

Lower Your Car Insurance Premiums

A clean credit history and a reasonably clean driving record represent a smaller risk for the insurance company. Many insurance companies offer discounts if you install safety features and an anti-theft device in your car.

By: Samuel Beatson

Some Tips To Lower Your Auto Insurance Costs

1. Get Multiple Quotes:

Find out what your State’s requirements with respect to car insurance are. Go to the National Association of Insurance Commissioners web site. Then choose your state’s website and click on it. You will the find complete information about the coverage you need.

Now visit different car insurance websites. Click …

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A New Way to Buy Prescriptions

 

Prescription DrugsThere are many factors that go into our failing health care system but one of the most obvious is the cost of prescription medication. Shopping for the best prices in your prescription drugs will assist the health care system.

By: Scott Bianchi

Everyone is well aware of the problematic health care industry. It seems the more and more you pay for your health care benefits the less and less they cover.

There are many factors that go into the reasons for this failing health care system and I won’t go into all of them. One of the easiest …

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One More Time… Do Women Make Better Leaders than Men?

Business Woman


 

Is leadership gender neutral, or does gender matter? Are men better at the leadership thing in practice, or do women have better leadership attributes in theory?

By: Dr. Anthony F. Smith

Author of The Taboos of Leadership

An outsider, studying our culture from the headlines on business and news magazines, might wonder what all the fuss is about. Women wanted the top jobs, then they got them, then they didn’t want them anymore. Men wanted to keep women out, then they thought that becoming more feminine would give them a competitive advantage, then they got tough and ruthless all

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Getting Back on the Career Track

Career Woman If you’re not sure whether or not you want to return to paid work, visit the Back on the Career Track Website and take the Relaunch Readiness Quiz. Career counselors, recruiters and employers, can help.

 

 

By: Carol Fishman Cohen and Vivian Steir Rabin

Authors of Back on the Career Track: A Guide for Stay at Home Moms Who Want to Return to Work

Would you like to return to the work world but are concerned about how to find an opportunity that will allow you to fulfill your family or other non-work obligations, nervous about how to “market …

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