Your Unbiased Advisor: Buy your financial services without sales person costs

How to cut credit-card debt

How have you started the New Year? Most folks are in the negative for their portfolio. Usually a down market means it is a good time to buy stocks or their funds. However, inflation is taking every last dime so far. In order to make your paycheck stretch farther, you can cut expenses to pay off the debt so you are in the positive by year end. We had been paying for a storage unit. We had a lawn sale to make money and end the lease. We cut out Netflix and lowered our cable bill. Instead of our usual week in Maine, we used our tent instead of our usual motel. We already had a paid membership in the National Parks so we could hike around Acadia for a week and ate at Jordan’s and Aloha. We grabbed a 0% interest balance-transfer offer and paid all of our other CC balance in full. We took advantage of 2 $200 bonus offers and used $400 to attack our debt. We concentrated on knocking the principal to $0 in one year. We quit eating out and found a fantastic low-cost café for lunch once a month. Our tax refund cut our principal to 1/3 its original size.

Everyone needs help: https://www.amazon.com/dont-have-money-Financial-Emergencies/dp/1537636707

Tax-refund Millionaire-- https://www.irs.gov/refunds

Most people spend their tax refund—your refund could be a retirement nest egg

Michele had trouble saving. She seemed to always be waiting for her next paycheck. She never had enough to save for a rainy day like her Mom did. She used to make about $35,000 as a shop manager but with federal, social security, Medicare and state taxes, unemployment, disability, and health insurance, she was not able to put anything away for retirement. Years ago, her local tax preparer suggested she use her tax refund to create a retirement fund. Usually Michele would use her refund to pay bills or buy something special. The tax preparer said that if she agreed to start an IRA with $2,000 of her refund, she would be able to increase her refund—Uncle Sam would help her save. The amount she invested would reduce her income and make her refund larger. The $2,000 could grow over time, if she left it in stock mutual funds in her IRA account. Over time, it has grown large enough that she will have enough for retirement.

I will help you start in 1 hour: https://www.amazon.com/Tax-Refund-Millionaires-Let-Uncle-Help/dp/149595644X

Retirees use RMD not annuity to empty their nest eggs

New retiree use of in-plan lifetime annuities to draw income for the first time fell to 18% in 2018, from 62% in 2000. Most retirees count on some form of tax-deferred account for income in retirement. Social Security was never meant to be the sole source of support. It has become the only nest egg for many low-income households because American business stopped offering lifetime pensions. For retirees with tax-deferred accounts, an annuity may be offered by their employer plan as a source of income for the rest of their lives—guaranteed. However, inflation can cut the annuity benefit in HALF in 20 years after employment. Annuities are expensive to fund and to get your money back. For many, the IRS required minimum distribution (RMD) calculated by their mutual fund complex offers the best solution. It fulfils the legal tax requirements based on life expectancy and helps you plan your income for the rest of your life.

https://www.amazon.com/Warren-Buffetts-Vanguard-Funds-Retirement/dp/1496148592

Buy your financial services without sales person costs

If you shop at Costco, BJ or Sam’s Club, you know that you can save a lot by buying without a sales person. For the benefits of buying this way, it is best to know what you need or want. There is every reason to save on financial services by buying this way—without having to pay a sales person. Find out what you need by using unbiased sources—books, website articles and knowledgeable agents. For instance, using government sites that explain coverages and types, you can decide to buy straight term life and basic car coverage legally required in your state. Then, using a consolidator, you compare insurance prices for you by multi-carrier internet sites. For mutual funds or single securities, the regulator Securities and Exchange Commission (SEC) has information to help you choose which type to use in your 401k, IRA, or cash account. Stocks are the safest for long term investing since they beat inflation over time. Money needed for an emergency can be left in a bank CD. In all cases, shop and compare. For instance, a low-cost stock index fund provides a greater nest egg than a licensed advisor. You can lose up to 63% of your total accumulation to costs.

Pay more; get less: https://www.amazon.com/Lies-Financial-Advisors-Told-me-alternatives/dp/1478281545

Have you taught your child how to make tax-FREE money?

Make sure you teach your kids how to create wealth the easy way. My parents were not investors. At my first job, I had no clue which investment option to use for my 401k contribution and company match. The HR person told me to put it into the 'safe' stable value fund. That was the worst choice at my age I learned later when I got my securities licenses. If I had followed their advice I would have ended up with $150,000 instead of a Wealth Reserve of $877,233 about 33 years later. I have used this 'Wealth Reserve' as I call it to have funds to buy low-cost insurance, to buy two homes and 5 cars with higher down payments or cash, and now to receive $2,500 a month in retirement supplement. Now your child can build an account that provides tax-FREE retirement income too.

Time is on their side: https://www.amazon.com/Give-your-child-leg-up-manage/dp/1096505355

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