The Bucket Strategy for Investing Bucket strategies tend to be conservative , the first bucket holds cash and other safe instruments, while the other sections take on more risk. The aim is to assure that at least some of your assets will be able to cover expenses—no matter how markets perform over the short-term. The [...]
Browsing Posts published in November, 2010
Hardship Retirement Plan Withdrawals If you are faced with financial problems and are concerning withdrawing money from your retirement plan at work such as your 401k plan be aware of the potential problems that withdrawal might cause. To begin with review your employers plan document to determine if hardship withdrawals will be allowed, and if [...]
Christmas Budget Worksheet With the Christmas holidays fast approaching us, this free Excel template can be very useful in setting up a holiday budget. You can use the spreadsheet to record Christmas gift ideas and also budget for Christmas cards, extra baking supplies, travel, decorations, etc. This can be a great tool to help you [...]
Real Estate Market Trend 2011 Home prices are expected to be flat beginning in 2011 as foreclosures will take another two years to work their way through the system. Watch out as there is talk again in congress to reducing or eliminating home mortgage interest deduction. If this situation becomes fact, many experts feel that [...]
Mindset in Financial Planning I haven’t touch on financial mindset in numerous posts so let’s take another look today. Specifically the amount of money you spend each day on living expenses or your monthly budget. If you are spending as quickly as you are earning you will find it difficult to get ahead. It seems [...]
New US Savings Bond Rates New rates for US Savings Bonds was released today November 1, 2010 and good until April 30, 2011. Rates dropped significantly since the past six months but still higher than the average rate CD’s and money market funds are paying for short term periods less than one year. New rates [...]
