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Jan 27, 2012
Thrifty Car Rental
Rent a Compact Car for $25.99/day or $135.99 week through Feb 11. 2012
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Jan 26, 2012
Revisiting the American Dream: Is the U.S. Providing Fewer Opportunities to Get Ahead?The widening income gap has become a controversial issue in the United States, as liberals decry the decline of the middle class and conservatives argue that a healthy market economy must reward effort, enterprise and risk taking. But on the related issue of economic mobility, or individuals’ ability to move up the income ladder, most people appear to agree: Upward mobility is good.
Indeed, conservatives often cite economic mobility as the reason not to worry about widening income inequality. As long as people can rise, it doesn’t matter that some are very rich and others are many rungs below: Economic mobility means people are not trapped where they started.
But a growing body of evidence shows that economic mobility is not as attainable in the United States as many people think. Moreover, various studies show that economic mobility declines as income inequality increases, indicating that in coming years, it could become harder for people to move from poverty to the middle class, or from the middle class to the top. More info...
Jan 26, 2012
Is Your Financial Planner Who They Say They Are?
You’ve heard the saying, “Listen to what I say, not what I do.” Well it turns out many financial planners are asking you to do just that – they hold themselves out as financial planners when in actuality what they do is different. Recent research from Cerulli Associates Inc. found that 59% of investment professionals call themselves financial planners, implying they offer comprehensive financial planning services. When matching what they actually spend their time doing, it was found that only 30% did comprehensive financial planning. Most advisors, 56%, actually did investment planning but only 22% identified themselves as investment planners. These days it is challenging enough to actually retire, put kids through college and save for other goals, but to find out the course you’ve been taking may have been incomplete is disconcerting. Not only did you have the wrong captain but you may have been on the wrong ship in the first place. More info...
Jan 26, 2012
Laid off and making the retirement savings last
Susan and Ed Parker
Ed Parker never planned on retiring early. But in 2009, at age 61, he was laid off from his job as a manager at a Caterpillar dealership and realized he was ready to end full-time work. His wife, Roxann, had retired a decade earlier from her job at a department store, and travel plans beckoned. More info...
Jan 18, 2012
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Jan 17, 2012
How To Improve Your Wealth Creation Competence
by Mindy Crary
If one of your New Year's resolutions was to improve and increase your wealth creation, you have to approach it as if you were developing a brand new skill set, such as learning a sport or a game. If you want to continually improve your ability to create wealth, you need to keep in mind these 4 stages of awareness that people pass through as they are learning a new skill: More info...
Jan 16, 2012
How Does Your Homeowners Insurance Handle A Downed Tree?
Homeowner Insurance
There are some questions that we don’t think to ask until we’re faced with the question right now. When we have to ask those questions, we’re forced to trust the word of somebody else instead of taking time to do our own research. Have you ever thought about who pays when a tree falls? Does your homeowners insurance pay and what are the stipulations? What if it falls onto the street or even worse, your neighbor’s roof? What if it falls on to a car? If you’re like 82% of the respondents in a recent poll, you don’t know who pays for a downed tree. More info...
Jan 13, 2012
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Jan 11, 2012
Your Retirement Planning Tool — A 10 Point Checklist
Article by Patrick Millerd
Retirement planning is a complex and challenging task requiring a retirement planning tool that matches the task. However these must not be so complex or “blackbox” that they are not fully understood.
Many, many people are totally unprepared and should realise that they will need some support and advice.
This retirement planning tool is a simple checklist. It makes you think about all the things you need to consider as you start down your path to a, hopefully, rewarding and successful retirement. Initially most people will not find this easy. Be warned there will be many temptations and hazards along the way.
As you start out remember that it’s not the plan that’s so important … it’s the planning. The thinking and understanding. Also as you develop your plan, write it down. In future you can review it, measure it and revise it. More info...
Jan 9, 2012
Get Back On Track With Your Personal Budget
Stick to your budget
No one can ever be perfect with their personal budget; there will always be moments when you choose to overspend in a certain area, because something holds a higher priority for you than sticking to your budget. This can be either a conscious or unconscious decision. But getting back on track doesn't have to be difficult if you keep in mind 6 simple steps. More info...
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