Recently, I met a couple who told me they’d given up on financial planning. “Why bother,” the husband said, “we had a plan – a plan to retire in two years. But with real estate and the [stock] market in the dumper (he used a slightly different word), I don’t know if we’ll ever retire.” I [...]
Archive for September, 2010
Financial Planning – Why Bother?
Posted in Financial Planning, tagged financial challenge, financial plan, Retirement on September 30, 2010 | 1 Comment »
The Other Financial Goal
Posted in Charitable & Planned Giving, tagged charitable giving, donations, dreams, financial planning process, microloans, personal budget, philanthropy, responsibility, retirement goals on September 29, 2010 | 1 Comment »
The purpose of personal financial planning is to help you meet your goals through proper management of your financial resources. As a result, the financial planning process normally begins with a thorough exploration of your personal goals and dreams. Often, the focus of this process is inward. What will help me meet my retirement goals? [...]
What It Takes to Fund College Education In the Future
Posted in Education, tagged 529 plan, Coverdell IRA, education fund, inflation, Retirement, Roth IRA on September 28, 2010 | 7 Comments »
The other day I had a meeting with Ralph and Alice to discuss a number of issues they had on their mind related to saving money for the future goals and objectives they had. The two highest goals on their list were creating a fund for the future education of their two children Jennifer and [...]
Young? Have Your Finances Under Control? You Might Benefit from Advice Too
Posted in Financial Planning, tagged financial advice, financial advisor, financial personality, Retirement on September 27, 2010 | 1 Comment »
Call it youth. We don’t think we need help with much. And according to a few articles I’ve come across recently, young people on the whole generally don’t perceive a need for professional financial advice. Although age is just a number, let’s assume for purposes of seeking financial advice that being ‘young’ ranges from the [...]
Cheap and Easy
Posted in Education, tagged financial wellbeing, web resources on September 23, 2010 | 9 Comments »
OK, it’s not what you think– we’re talking websites—credible free resources that can save you time and money. If you want to make your life easier and better, stay a minute longer and think again, especially if the story in your head sounds like this: “I just don’t have enough time.” “Personal finance is a [...]
Retiring for the Wrong Reasons
Posted in Retirement, tagged financial independence, Retirement, retirement age on September 21, 2010 | 5 Comments »
Carl was 62 when he decided it was time to retire. I asked why. He said all his friends were retiring and he figured he wasn’t getting any younger and thought he would, too. The next time I saw Carl, I asked how he was enjoying retirement. “What retirement?” he said. “I was so bored, [...]
Joseph the Dreamer
Posted in Savings, tagged Poor People's March, savings rate on September 20, 2010 | Leave a Comment »
A few days ago as I was driving along North Druid Hill Road I passed by a church. On the marquee it read in big letters “Joseph the Dreamer.” I assumed that it was some indication of the sermon for the coming week. Ironically, this occurred on the anniversary of the Poor People’s March on Washington [...]
Jobs, Now
Posted in Employment, tagged Investments, personal savings rate, Savings, standard of living, unemployment on September 17, 2010 | 2 Comments »
When a person works at a job for which he or she is overqualified, it is called underemployment. Being employed or even being underemployed beats being unemployed, any day. Since 2008, we have officially lost about 10 million jobs. These are people who have families and children to support. As a nation, our first priority [...]
College Pride
Posted in Education, tagged college savings account, college tuition, loans on September 16, 2010 | 2 Comments »
I remember fondly the day I moved to Tulane; the fraternity house across the street from my dorm had a big sign “SAE Welcomes Your Daughters!” I am sure it was reassuring to our parents to know a house full of fine young men was just across the street watching over us now that we [...]
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