Investing is fraught with misunderstandings due to widespread misinformation. Investing is an area where many people, for instance, believe they need to be affluent to even begin. A lot of people think it’s foolish to put money into the stock market. Yet, if you own your own property, you do not need a significant sum […]
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Suppose you are planning on retiring and have been investing your money in a retirement income portfolio. In that case, you may be wondering whether you should take a conservative or more aggressive approach. Here are some factors you should consider before deciding what direction to take. Traditional IRAs vs Roth 401(k) plans If you […]
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There are many different things that you can do when it comes to retirement tax planning. For instance, you can talk to a financial planner or an accountant to get a better idea of how much you can save, how much you will have to pay taxes on, and what you should do in the […]
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The maximum Social Security benefit for most people is based on their age. Older people will get a higher benefit than younger people, depending on their health. Wait until age 70 to get a higher benefit One of the most common questions about retirement benefits is when is the best time to collect. While there […]
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One of the most significant advantages of the buy-and-hold strategy is that it requires fewer transactions, thus reducing brokerage, advisory, and sales commissions. The design also has the added benefit of generating long-term capital gains, which are taxed at a lower rate than short-term capital gains. The disadvantages of this strategy include the time and […]
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There are several retirement tax planning software options. These include Holistiplan, eMoney, and Wealth Trace. First, let’s take a look at the differences between these options. These software programs can solve a problem known as “consumption” to determine how much a person will need to replace their income in retirement. This amount represents a person’s […]
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One of the worst things you can do when investing is to believe one of the many investing myths that are out there. These myths can hold you back from achieving your financial goals and make you take on too much risk. Fortunately, there are ways to avoid falling victim to these myths. We’ve listed […]
Read MoreWinter and spring are the best times to visit the Florida Keys, and they have some unique characteristics that make them an excellent place for scuba diving. However, the cooler water temperature of late summer and fall also makes for good scuba diving conditions. Summer and fall are the best months for sightings of manta […]
Read MoreAccording to Don Dirren, there are many excellent scuba diving locations in the Florida Keys, but if you’re new to the sport, it’s best to learn about some of the best dive spots before heading out. Here are some recommendations: Ginnie Cavern, Looe Key Reef, and the French Reef. The first two are a must-see, […]
Read MoreAccording to Don Dirren, you don’t need experience to dive. In fact, you can learn how to dive in a day’s time, and you can even skip your pool session. You will always be able to dive at least 40 feet after just one day. That is a big upgrade from the pool sessions you may […]
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