Retirement Plans for Self-Employed People

self employed

As America’s work environment continues to evolve, one thing that has become evident is that — in many cases — the work-from-home (WFH) model has proved to be effective and even cost-efficient. However, many companies with significant investments in their office buildings and campuses are not likely to want their employees to keep working from…

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Financial Perspective: Marry, Cohabitate or Stay Single?

Married couple looking over their finances together

People have many different reasons for getting married or not getting married. But for some committed couples, it can come down to a few basic points. One of those is finances. If they hold very different opinions or have contradictory habits when it comes to spending money, finances can become a deal-breaker — much like…

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4 Myths of Long-Term Care

Today, Americans live longer, which means we must address long-term care costs when considering retirement planning.  In 1950, the life expectancy for men was 67 years, and 72 years for women.1 Today, according to the Social Security Administration, a 65-year-old person can expect to live an additional 19 to 21 years on average. What’s more, the…

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What’s Up With Inflation?

Inflation was already on the rise before we learned about the omicron variant. Now on top of supply-chain shortages and transportation disruptions, Federal Reserve Chairman Jerome Powell recently observed that a resurgence of COVID-19 cases could reduce the consumer-driven boom we’ve enjoyed for the past few months. Safety concerns could result in more workers being…

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What the Increasing National Debt Could Mean

If you’d like to see a snapshot of what’s going on with national debt versus revenue, check out the U.S. Debt Clock.   While there’s a lot moving on one screen, you can take a look at individual blocks to see how much the U.S. takes in via tax revenues compared to what it pays…

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Can Your Portfolio Weather an Economic Storm?

Let’s talk a little about famous last words. On Nov. 8, 2007, then-Federal Reserve Chairman Ben Bernanke told lawmakers that the U.S. economy did not appear headed for recession. One month later, the Great Recession of the 21st century began.1 So, on Sept. 6 of this year, when Fed Chair Jerome Powell announced that he…

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Biometrics vs. Hackers

Most people using the internet to shop, conduct financial transactions or read firewall-protected content are likely familiar with the aggravation of maintaining passwords. Worse yet, tech experts now say conventional password security is only a marginal defense against hacking.1 We are now entering a new age in electronic security for the average user — one…

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Climate Change and Clean Living

We frequently hear about the various effects of climate change and how they can be mitigated. It often feels as though households and companies must make significant sacrifices to undo a lot of the damage that’s been done. However, there also are many positive benefits that can come from making certain changes, both locally and…

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The Work/Life Balancing Act

Researchers have estimated how much of our lifetime is spent on various activities. For example, based on a lifespan of 80 years, the average person will spend:1   26 years sleeping 7 years trying to get to sleep 13 years at work 8 years watching TV 5 years eating 3 years on social media 3…

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