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2 min read

Steer Clear of These 5 Tax-Planning Pitfalls

By EveryIncome on Jan 26, 2021 2:15:20 PM

We all make mistakes. But errors in your taxes can prove costly. That’s why it’s important to educate yourself and find a quality tax planner who can help navigate you through the daunting process.

Topics: Financial Planning Tax Savings Tax Financial Security
5 min read

How’s Your Financial Health? Our 10-Point Checklist Will Give You an Idea

By EveryIncome on Jan 25, 2021 3:13:13 PM

Whether you’re just starting out in your career or approaching retirement, organizing your finances and knowing exactly what you need to do to prepare for the future can feel daunting.

Topics: Financial Wellness Financial Literacy Financial Security
2 min read

What Are Mutual Funds?

By EveryIncome on Jan 20, 2021 9:37:36 AM

Mutual funds are popular investment opportunities: They are a way for investors to pool money to invest in specific assets, from stocks and bonds to other investments. Mutual funds allow the average investor opportunity to diversify their investments while accessing global markets.

Topics: Retirement Planning Retirement Financial Security Savings
2 min read

Living Paycheck To Paycheck? How To Cope With Financial Stress

By EveryIncome on Jan 19, 2021 10:32:44 AM

Are you feeling the gnawing pain of financial anxiety? You’re not alone. A majority of Americans (59 percent) report that they live paycheck to paycheck.

Topics: Financial Planning Financial Security Budgeting
1 min read

Why You Should Care About Building Credit

By EveryIncome on Jan 12, 2021 5:02:56 PM

While many individuals see credit as an essential part of personal finance, some avoid credit cards and loans altogether. Although avoiding debt is admirable, building credit is critical for various significant purchases and life events. Building credit responsibly is an excellent way to ease the path towards homeownership, financial stability, and more. Here are three reasons why you should care about building credit.

Topics: Financial Planning Financial Wellness Financial Security
2 min read

Is the ‘4 Percent Rule’ for Retirement Still Valid?

By EveryIncome on Jan 12, 2021 1:40:17 PM

When you retire, how much of your retirement savings can you withdraw each year without running out? One of the general guidelines is the 4 percent rule, but it’s important that you treat it as just that: a guideline.

Topics: Retirement Planning Financial Planning Retirement Financial Security
1 min read

4 Daily Tasks to Help Individuals Master Finances

By EveryIncome on Jan 11, 2021 3:26:34 PM

Becoming financially stable is a process that takes hard work and persistence; nobody goes from drowning in debt to the picture of financial health overnight. Like the formation of any other good habit, it takes daily commitment and continual learning to master finances. While individuals may have a variety of unique goals, there are a few strategies that almost anyone can use to improve their financial health. Master finances by making your financial health a priority and incorporating these four habits into your daily routine. 

Topics: Financial Planning Financial Literacy Financial Security
2 min read

Money Management 101: A Few Basic Concepts

By NAIFA on Jan 8, 2021 11:19:29 AM

Surveys indicate that many Americans lack basic financial literacy. Yet, simple money-management skills can help prevent a person from getting themselves into financial trouble and help them lead a better life in general. This article covers a few basic money-management concepts. Insurance and financial services professionals, such as a NAIFA members, can give you much more information and help develop strategies to boost financial literacy and get your money management on the right track.

Establishing An Emergency Fund 

The very first thing that anyone should do if they want to insulate themselves from potential financial harm is create an emergency fund. The amount to set aside for emergencies varies based on individual circumstances, but most experts recommend between $500 and $1,000 to get started. For many, that is enough money to help allay an unexpected expense. No matter who you are, a vehicle can break down, an unexpected medical expense can arise, or any number of other unexpected expenses may come about and cause problems for someone who does not have the shelter of an emergency fund. As your finances grow more complex, a larger emergency fund may be appropriate. 

Topics: Life Insurance Financial Literacy Financial Security
2 min read

Tax Planning For The Everyday Person

By EveryIncome on Jan 7, 2021 9:49:28 AM

“Tax planning” is a phrase many people associate with large corporations, the rich and powerful, or super-humanly organized accountant types.

Topics: Tax Savings Financial Security
2 min read

Retirement Planning: Questions To Ask Your Aging Parents

By EveryIncome on Jan 5, 2021 10:16:24 AM

As people get older, many must begin to rely more upon their children for care and support. Even the most independent retirees often chat with their kids to discuss finances, medical concerns, and housing plans for their golden years. Some people wait until they experience an accident or health scare to share their plans with loved ones, while others put off these conversations until it is too late. People with aging parents (or retirees with adult children) should be proactive about discussing these difficult topics and life decisions. If you are an adult with aging parents, consider sitting down with them to discuss retirement planning, estate planning, and their wishes regarding housing and end-of-life care. 

Topics: Retirement Planning Financial Security

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