If company stock is the only option that is available to you through your company’s offered 401 k savings plan, then you should be looking at other types of investment vehicles to handle some of your savings for retirement.
Annuities
When you decide to buy an annuity, what you have to do is to sign a contract [...]

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• Fixed Term Investment Characteristics The government only represents approximately 30 percent of our retirement income allotment. The companies that we work for and their retirement pension plan is only going to amount to another 30 percent or so, and most people do not even have these types of retirement plans. In other words, it......
• Getting Out of Debt Quickly pt 1 You are probably familiar with this feeling: Your bills are constantly piling up, but you feel so far behind that you simply cannot bear to even open them. When you do open them, you quickly realize that there is only enough saved up in your bank accounts for you to......
• A New Way to Consider Personal Finance Through the past few years, many of us have been conditioned to believe that being in debt is a bad thing. While it certainly may be true that debt is dangerous in the wrong hands, there are actually many ways that debt can be very effective and can actually help......
• Where to Begin with Investing If you are just starting out on your own as an adult, or if you are approaching the age of retirement, you are probably thinking about where you stand financially and what your financial future will be like. It is time to stop thinking and start actually planning and taking......
• Top 3 Things to Learn About Personal Finance Regardless of your age, position in life, or your financial goals, there are a few things that we all need to learn about personal finance. Once you have the basics down, everything else can just flow naturally. These tips are the strong foundation upon which you can build your financial......

Continue reading → Choosing the Right Types of Investments pt 2

The IRA is an Individual Retirement Account that was originally created by the United States Congress as a means of providing retirement savings with tax advantages to workers that were not already being covered under an employer-sponsored retirement plan. Unlike the standard 401(k) plan, the purpose of an IRA is not to require any sponsorship [...]

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• Book Review: The Automatic Millionaire: A Powerful One-Step Plan to Live and Finish Rich By David Bach David Bach is well known for his books, Smart Women Finish Rich and Smart Couples Finish Rich and in this latest effort, he goes into more detail on the techniques he discussed in these books. While the title would make you think it’s yet another get rich quick scheme, it......
• Why Invest? Do you have some money socked away, or are you planning to sock some money away for the purpose of investing? Are you wondering why investing would be a smart idea and how you can best benefit from the act of investing? Simply put, you are going to want to......
• 4 Modern Ways to Get Rich by Saving Money For many people, one of the best ways to a better and much more established financial future has been to save money. For that reason alone, those who firmly believe in the immense power behind the act of saving money always find a way to put some of their money......
• Personal Finance Credit Crunch Budgets are unfortunately quite the necessary evil when it comes to managing your own personal credit crunch. Everyone is going through a credit crunch, even those who have relatively healthy credit. The only practical way to keep yourself financially stable in this volatile market is to get a grip on......
• Planning for Your Retirement The Smart Way As millions of aging baby boomers start contemplating how they are going to survive when they’re no longer working, retirement planning has hit an all time high. Whether you’re just starting out in the workforce, or you’re staring 62 in the face and wondering where the money is going to......

Continue reading → Introduction to the IRA