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retirement planning

Spring Clean Your Finances

Submitted by The Participant Effect on April 12th, 2019

The arrival of spring has brought warmer weather, longer days, a renewal of life … and the yearly desire to clean out and get organized. It’s also the perfect time to get your financial house in order. Here are some housekeeping tasks you can tackle to help make sure you and your money are headed the right way in the year ahead.

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  • retirement
  • retirement planning
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Getting the Most from Your 401(k) Plan

Submitted by The Participant Effect on March 26th, 2019

401(k) plans were established by Congress to encourage individual savings towards retirement. Offered through employers, the plans are generally available to eligible employees who are allowed to contribute a percent of their salary to the plan.

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  • retirement planning
  • risk management
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Planning for the New Normal Retirement

Submitted by The Participant Effect on March 26th, 2019

The need for retirement planning didn’t really exist until well into the 1970s. Up to that point, people worked until age 65, spent a few years in leisure through their life expectancy which was about 69. Many retirees of that era were able to coast into retirement with a cushy pension plan.

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  • education
  • retirement planning
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How to Achieve the Highest Quality of Life in Retirement

Submitted by The Participant Effect on March 26th, 2019

Today’s retirees are finding that retirement requires at least as much psychological and emotional preparation as it does financial preparation. So, retirement planning needs to include a thorough assessment of human assets and liabilities along with an assessment of financial assets and liabilities.

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  • retirement
  • retirement planning
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How to Spend Your Raise

Submitted by The Participant Effect on March 7th, 2019

Congratulations! Your hard work and contributions at the office have been recognized and you’ve earned yourself a raise. You might be tempted to start spending it right away, but this is probably a bad idea. Be cautious about raising your budget and lifestyle in a permanent way after getting a raise — it can make it harder to get ahead over the long term.

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  • raise
  • retirement
  • retirement planning
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Retiring Soon? You Need to Be Doing These 7 Things Now

Submitted by The Participant Effect on February 13th, 2019

Are you in the final countdown to retirement? Congratulations! This can be an amazing time full of new opportunities. Put yourself in the best position possible for your next adventure with these seven retirement readiness tips.

Tags:
  • estate planning
  • retirement
  • retirement planning
  • retiring soon
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3 Ways to Save for College Explained: Prepaid Tuition Plans, 529 Plans and ESAs

Submitted by The Participant Effect on February 13th, 2019

According to collegeboard.org, the average yearly full-time student budget for tuition and fees, room and board, books, and other incidentals at an in-state public four-year college is currently more than $25,000. For a private four-year college, that costs skyrockets to more than $50,000.

Tags:
  • education
  • prepaid tuition plans, 529 plan, 529 savings plan, ESA
  • retirement planning
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The 1% Change That Can Really Make a Difference

Submitted by The Participant Effect on January 29th, 2019

Sometimes small moves can yield big results. If you want to plan for a better, more secure retirement, start by increasing your 401(k) contribution by just 1%. You might be thinking that 1% can’t possibly make that much of a difference — but you’d be wrong.

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  • 401k
  • retirement planning
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If Only … Retirement Regrets

Submitted by The Participant Effect on January 29th, 2019

Regrets can be hard to live with: I wish I hadn’t eaten that banana split; I wish I’d bought that sweater when it was on sale; or I wish I learned to speak French. But these are all mild regrets compared to what you’d feel if you didn’t make the best choices for you and your family when preparing for retirement.

Tags:
  • education
  • retirement
  • retirement planning
  • risk management
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Loss Aversion: Fighting the Fear

Submitted by The Participant Effect on January 29th, 2019

Loss aversion sounds like a good thing — trying to avoid losing. What could be wrong with that? Unfortunately, if taken too far, it can actually be a threat to your long-term financial health. Loss aversion is the tendency to prefer avoiding potential losses over acquiring equal gains. We dislike losing $20 more than we like getting $20.

Tags:
  • education
  • Loss Aversion
  • retirement planning
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Latest Blog Posts

I’ve Depleted My Emergency Fund. Now What?

Submitted by The Participant Effect on February 4th, 2021

Perhaps you’ve lost a job, faced an illness or have been delt a family crisis that emptied out your emergency fund. What are your next steps?

 

Tags:
  • budget
  • emergency fund
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How Much House Can I Afford?

Submitted by The Participant Effect on February 4th, 2021

You’re eyeing center-hall colonials in your neighborhood and dreaming about the garden you want to plant in the backyard and all the holiday celebrations you’ll host. You’ve saved toward this goal and think you’re ready to pull the trigger. But the real question is: How much house can I afford?

Or is it?

Tags:
  • budget
  • buying a home
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Is Social Security “Going Broke”?

Submitted by The Participant Effect on September 30th, 2020

Social Security’s financial cliff is coming closer into view. Experts project that the fund that pays for government retirement benefits through FICA taxes will be depleted within the next 15 years.

 

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  • retirement
  • retirement planning
  • social security
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