Business & Finance

How Much is Enough?

When we ask the question, “How much is enough?” it seems almost un-American. We often want more than we have now. More money, upgraded technology, better furniture, better house, better car, more success and more security. It doesn’t matter how much we have invested, we want it to grow to become more. “More” is woven […]

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Social Security Insecurity

After paying into the Social Security system for their entire career, many Americans on the edge of retirement suddenly realize they don’t understand how the system works. They have heard conflicting strategies of when to start taking their benefits. Some say it is best to start collecting a reduced benefit at age 62, others recommend […]

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9 Principles for Young Professionals

It’s a tough and competitive world out there, and with unemployment statistics as they are, many of us in our 20s are happy to take work where we can find it. Others are already working in their desired fields but, in either case, we are all trying to move forward and build our futures as […]

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Investing 101 for Women

It is a harsh truth that many women either leave money matters to the men in their lives or ignore the importance of financial planning altogether. Couple this with the fact that women face different challenges and financial risks than men, and it becomes clear why women must take charge of planning their financial futures. […]

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401K Advice

According to a recent survey by the Employee Benefit Research Institute, only 13% of workers are “very confident” about having enough savings for a comfortable retirement (confidence study, EBRI March 2011). The demise of traditional pensions or other employer-sponsored retirement plans has caused workers to rely solely on their 401K to build a retirement nest […]

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The Psychology of Investing

Investing should be easy; just buy low and sell high, right? But most of us have trouble following that simple piece of advice. Why is it so hard? It has to do with fear, greed and something called the “Investment Psychology Cycle.” As the market cycles upward, it draws investors in, but they may pay […]

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The Benefits of a Roth IRA

A Roth IRA is an individual retirement account that offers a valuable future benefit: tax-free income in retirement. Although there is no up-front tax deduction for Roth IRA contributions as there is with a traditional IRA, Roth distributions are tax-free in retirement… when you follow the rules. Imagine saving the maximum into a Roth IRA […]

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The Challenges of Retirement

In a recent North American survey by Allianz Life, more than 3 of 5 people between the ages of 44 and 75 said they worry more about running out of assets than about dying. Funding a 30 year retirement will take financial planning prowess as you juggle the effects of longevity, inflation, healthcare costs, taxes, […]

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Planning for College

With college costs increasing at twice the rate of inflation each year, most American families now intentionally view a college savings plan as a fiscal necessity, not an option. Today’s low cost four-year college will be $60,000 or more and a private school education will be $160,000. If you compound today’s price by the 8 […]

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Why to Invest

Investing. This topic generates more discussion and controversy than virtually any other in the financial arena. Almost everyone wants to know how to make the most money with the least risk. But for believers, the question should not be where to invest, or how to invest, but why to invest. Should Christians speculate with money, […]

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