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10 Financial Terms Everyone Should Know

Understanding financial matters can be difficult if you don't understand the jargon. Becoming familiar with these 10 financial terms may help make things clearer.

1. Time value of money

Social Security Claiming Strategies for Married Couples

Deciding when to begin receiving Social Security benefits is a major financial issue for anyone approaching retirement because the age at which you apply for benefits will affect the amount you'll receive.

What’s Your Whole Life Plan

In the ever changing landscape of life insurance products, there remains one stalwart that has changed very little since the first American life insurance companies emerged in the mid 1800s - the Whole Life plan.

The Potential Pitfalls of DIY Estate Planning

Americans, by and large, are do-it-yourselfers. Books, websites, software programs, and even giant box stores exist solely to help ambitious Americans tackle all kinds of everyday challenges, from fixing leaky faucets to building backyard sheds.

Can Blended Life Insurance Provide the Best Protection at Lowest Cost?

The good news is that life insurance rates continue to decline and people are buying more term life coverage than ever before. The bad news, is that many people are recognizing that the need for life insurance last a lot longer than most term policies. After the term policy expires, the cost to buy a new policy can get expensive.

Will You Outlive Your Income? How to be Certain You Won’t

While our extended longevity should be greeted with gratitude for the possibility of enjoying a longer life with our grandchildren, many retirees are approaching it with trepidation, wondering if their hard earned assets will be sufficient to fulfill their vision of a good life for the rest of their life – however long it should last.

Six Ways to Stretch Your Retirement Savings

No one wants to think about how they’d handle a personal finance crisis after retirement, yet that was a reality for the 20 percent of seniors who outspent their retirement income in 2009, sometimes by as much as 175 percent. You don’t have to be a statistic. There are things you can do to stretch your savings while still maintaining a comfortable lifestyle.

Biggest Life Insurance Mistakes

For most people, buying life insurance is difficult enough even when it’s done right.

No Matter What Your Age, Your Social Security Statement Matters

Fifteen years ago, the Social Security Administration (SSA) launched the Social Security Statement, a tool to help Americans understand the features and benefits that Social Security offers.

Importance of Timing a Roth IRA Conversion: An Example

Conventional wisdom holds that if you convert a traditional IRA to a Roth IRA, you should never pay the conversion taxes from IRA assets. The reason is that you'll be depleting IRA assets that might otherwise be available to grow on a tax-deferred basis.

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