Two simple sentences can cause business owners a lot of anxiety: “Your rates are higher than this other person I know.” “You charge too much.” At the beginning of my career, I would always get cold sweats before naming a price. I was always scared of what the prospect would say. Interestingly enough, I agonized…
What Does the Increased Social Security Benefit Really Mean?
November 13, 2022
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In 2023, the cost-of-living adjustment (COLA) for Social Security is increasing. As a result, more than 65 million Social Security beneficiaries will receive an 8.7 percent increase in their benefits. That equals roughly $146 for the average Social Security recipient. But that’s not all that’s going up. Someone has to pay for this increase. How…
Roth IRA Investments to Build Wealth Over Time
November 12, 2022
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Alternative InvestmentsBrightcrowdfundingETFsinvestingInvestmentmutual fundspersonal financereal estateretirementRetirement AccountsRoth IRA
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Don’t tell my wife. But me and Roth IRA Investments—we got a thing going on. After all, it’s the greatest wealth-building tool. Roth IRAs offer one of the best ways to invest for retirement, and many experts even consider them the best retirement account. This is because you can grow your Roth IRA money tax-free…
Options and Schedules for Enrollment in Medicare
By Elliot Raphaelson From Tribune Content Agency A reader wrote: “I am very confused about the deadlines for enrolling in Medicare, when coverage starts, and changing options. For example, if I am enrolled in a Medicare Advantage Plan, and want to change to another plan, when can I do it?” An excellent source of information…
How to Prepare for Retirement If You Don’t Have $1.2 Million
The amount of money the experts say you need for retirement is being tossed around a lot lately. Some say that you need $1.2 million to have a happy retirement. Most people will never be able to accumulate that much money in savings. If you are in that category, here are some tips on how…
Will You Get a State Stimulus Check This Year?
By Rocky Mengle From Kiplinger’s Personal Finance Question: I heard that some states are handing out stimulus checks. Is this true? Answer: You heard correctly. The final federal stimulus checks were mailed in 2021. For the economic woes facing Americans in 2022—most notably, high inflation—there’s been no such relief from Uncle Sam. But some states…
Closing Prices for Crude Oil, Gold and Other Commodities (Nov. 11)
November 11, 2022
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Benchmark U.S. crude oil for December delivery rose $2.49 to $88.96 a barrel Friday. Brent crude for January delivery rose $2.32 to $95.99 a barrel. Wholesale gasoline for December delivery rose 4 cents to $2.61 a gallon. December heating oil fell 1 cent to $3.56 a gallon. December natural gas fell 36 cents to $5.88…
3 Ways the Pandemic Influenced Retirement for the Better
November 11, 2022
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Because of the COVID-19 pandemic, Americans say they reevaluated their financial management practices, which included their retirement plans. In a Schwab study, 1,000 Americans between the ages of 25 and 70 were asked how they expected their spending, saving, and financial situations to change as a result of the COVID-19 pandemic. Approximately half of those…
How to Save Money
November 11, 2022
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Business & MarketsHow Do I Stop Wasting Money?How to Save Money Fast On a Low Income?How to Save More Money Each Month?Money Tips For 2022personal financeRealistic Ways to Save Money
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A survey done in the earlier part of the year by financial services company Bankrate found that only about four in 10 Americans have enough savings to cover an unplanned expense of $1,000, indicating a dismal state of household emergency funds and poor monetary habits. Many have sought to move away from the instability that…
5 Mistakes You’re Making With Medicare Open Enrollment
Millions of retirees are in the thick of Medicare open enrollment, which runs from Oct. 15 to Dec. 7, but many find the process challenging. Some don’t understand the difference between Original Medicare and Medicare Advantage, many are overwhelmed by Medicare advertising, and only 4 in 10 people review their plan options each year, according…
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