Five Ways to Weather the Financial Storm
Times have been tough for the U.S. economy over the last few years, and the debt ceiling issue has not made things any easier. However, there are ways to help make sure that you don't end up on the rocks in the financial storm

What Being Debt Free Might Mean for Your Future
We live in a credit-based society, one where accumulating assets is often coupled with accumulating accompanying debt. It's probably been so long for many that what being debt free might be like is a tough concept. .

Five Basic Facts your Investment Counselor Should Know About You
In order to properly advise you and to help you chose the investments that may be most suitable, there are five basic facts your Investment Counselor should know about you before any recommendations are made.

Guarding Against Disability and Long-Term Illness
When most investors come into middle-age, they look toward retirement. If prudent investments are made, retirement may be made smoothly, with assets built that can help support them and possibly leave an inheritance for their children and other heirs as well.

Aim To Make Yourself Recession Proof
In tough economic times, you may be tempted to overreact and make rash decisions. It is better to remain calm, examine the facts so you gain some understanding of what is occurring, and take some smart measures to weather the storm.

Evaluating Midlife Financial Health
Middle age has arrived. It seems like only yesterday you were right out of college, struggling to pay off student loan, and starting life and a career. Now you're carrying a mortgage, worrying about college tuition and consistently evaluating your investments.

What You Should Know About Retirement Plans
Retirement planning for Americans has changed drastically over the past few decades.Tthe bulk of responsibility for retirement saving has shifted to employees themselves

Why Traditional IRAs Are So Popular
Millions of Americans have taken control of their retirement future by investing in Individual Retirement Accounts since IRAs were first introduced in 1975. IRAs have become one of the most popular retirement savings vehicle in America.

Roth IRAs - Making A Good Thing Better
In 1997, Congress made a good thing better when it created a new type of retirement savings account, the Roth IRA. Named after Senator William Roth, who introduced the legislation that created them.

SEP-IRAs - A Retirement Plan Option for Small Businesses
A SEP-IRA is a low-cost, easy-to-administer retirement plan that's often ideal for owners of small businesses and self-employed individuals. Sole proprietorships, S and C corporations, partnerships and LLCs all may qualify to establish a SEP-IRA.

Liquidity and Volatility - Two Different Sides to the Investment Coin
Most investments can be separated into two broad categories with regard to how easy it is for an investor to gain access to his or her money: liquid and illiquid.

Have You Planned Ahead for Your Retirement Lifestyle?
Living the lifestyle you dream of in retirement requires not only years of disciplined saving and wise financial planning and investing, but also the realization that choices and tradeoffs are inevitable

Working in Retirement: An Option for You'
For some people the idea of a full-time retirement might not be very appealing. Maybe you really enjoy what you do for a living, and you're healthy and see no reason to stop working just because you've reached the so-called "retirement age."

A Unique Opportunity for Fixed-Income Investors
For the first time in our nation's history it is now possible to buy a municipal bond with a higher credit rating and a higher yield than a Treasury bond.

Investing Basics: What You Should Know
This is the fourth in the series of articles discussing financial literacy and what this means for Americans in the 21st century. Once you have earned money there are four main things that you can do with it: Spend it, save it, invest it or give it away.

What Should You Do With Your Old 401(k)?
After leaving a job employees sometimes discover that they left something behind -,perhaps a coat or maybe a desk knick-knack. Sometimes, however, employees leave something much more important behind at their previous jobs: their 401(k) accounts.

College Saving and Investing Strategies
Despite the cost, obtaining a college degree may still be a worthwhile goal. According to the U.S. Census Bureau, college graduates earn more money than individuals who just have a high-school diploma.

Why Zero Coupon Bonds Can Add Up To Much More Than Zero
Zero coupon bonds (sometimes called zeroes for short) have been around for 30 years. Due to their unique structure and characteristics, zeroes remain an attractive investment option for many individuals.

Facebook and Other IPOs: Don't Buy the Hype
The initial public offering (IPO) of Facebook dominated the investment news. Unfortunately for many investors, the much-anticipated (and much hyped) IPO fell somewhat flat.

Retirement and the American Dream
In essence, the American Dream is that anyone who has a goal and works hard can make it. David Lerner Associates believes that one part of that dream is that after you have worked hard for 25 or 30 years you should be able to enjoy the fruits of your labor and retire in comfort.

Helping Your Children and Grandchildren Financially
One less-publicized effect of the Great Recession has been the increasing numbers of parents and grandparents who are helping their kids and grandchildren financially.

Retirement Planning Strategies For Your 20s
This is the second in a series of articles detailing retirement planning strategies for individuals at each stage of their life.

Retirement Planning Strategies For Your 30s
This is the third in a series of articles detailing retirement planning strategies for individuals at each stage of their life.

Make Some Mid-Year Financial Resolutions
Lots of us make New Year’s Resolutions, but they are a distant memory for many people by this point in the year. If this sounds familiar to you, now might be a good time to make some fresh financial resolutions

A Sure Thing? Not So Fast.
At some point in our lives most of us have heard a pitch for some kind of investment or money-making opportunity that was billed "a sure thing." If you are ever approached with such an “opportunity,” the best advice is usually to run, not walk, as fast as you can in the opposite direction! Simply put, this isn’t how investing in the real world works—a fact that, unfortunately, some people have learned the hard way.

Are Low Yields the New Normal?
The phrase "the new normal" has been thrown around a lot lately to describe many different things. It was originally coined by author Roger McNamee in his 2004 book of this title, which describes how the 21st century represents a new era of heightened uncertainty, but also opportunity.

How is the Market Doing? Check the Dow.
When the conversation turns to how the market is doing, chances are people are referring to the Dow Jones Industrial Average, or "the Dow" for short. The Dow tracks the performance of stock issued by 30 prominent, publicly traded U.S.-based companies and is one of the most widely reported stock market indexes in the country.

Why Was Kraft Foods Removed from the Dow?
Changes to the mix of companies listed on the 30-stock Dow Jones Industrial Average (DJIA) are relatively rare. When Kraft Foods lost its place on the venerable market index recently to UnitedHealth Group Inc., it was the first change to the Dow’s composition mix since 2009.

Fixed vs Variable Annuities: Look Before You Leap
The potential for tax-deferred growth and a guaranteed stream of income can make annuities an attractive financial option for retirement. Investors fund an annuity with already-taxed dollars and that money then grows tax deferred until it is withdrawn.

Growth Investing vs Value Investing
When you invest for growth you are usually seeking capital appreciation over the long term A value investor looks for bargains and chooses investments that have low prices in relation to such factors as earnings, sales, net current assets.

Comprehending Investment Terms and Concepts
There are some fundamental principles you should understand when evaluating an investment opportunity or making an investment decision. The most important principle is simply good common sense.

US Not in Top 10 for Basic Financial Literacy Test
When it comes to managing our personal finances, it appears that Americans could use a little help. In a recent global quiz, Americans did not even make the top 10!

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