Good Financial Cents | Financial Planning and Retirement Blog
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Are You Ready To Take Charge of Your Financial Life?
Harassing phone calls at home and work. Nasty credit representatives making you feel bad about yourself, maybe even taunting you. How can you make it stop? With a few simple steps you can put an end to harassing credit collection calls for good.
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School’s barely out, and already I’m getting ready for back-to-school. For the most part, it’s really about maintaining some sort of schedule, and watching for good deals on things my son will need when he heads back to school come autumn. While it would be nice to completely forget about school for the summer, that may not be the best idea.
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Medicare is a program provided by the federal government that offers health care insurance for those aged 65 or greater and to a few other groups such as those with certain disabilities or with kidney problems. Many of my clients retirement planning is heavily dependent on Medicare being there for them and helping ease the cost of their medical expenses.
The Medicare program involves four specific parts that provide various benefits which include:
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Most investors realize that when it comes to return on your portfolio it’s all down to bottom line. What did I make net of cost and income tax? After factoring in federal income and capital gains taxes, the alternative minimum tax and potential state and local taxes, your investment returns in any given year may be reduced by 40% or more. Luckily, there are tools and tactics to help you manage taxes and your investments.
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Today I want to talk a little bit about customer service. If you’re a business owner or own some type of small business, this post is for you!
Great customer service to any business is essential. As a business you want to accomplish what is call the “Wow!” factor. Just so I’m clear, there are 2 different kind of “Wow” factors.
There is the “Wow!” factor which is great; that means your customer had a great experience, and they were wowed by you, and ready to share the world how great you are.
Then the other type of experience is what you’d call the JWOWW factor. If you’re familiar with Jersey Shore, JWOWW is a cast member of the show and she’s well known for her clothing style – well, at least the lack there of. The “JWOWW” experience is where people are going to talk about you but maybe not the way that you want them to. Make sense?
So “Wow!” factor good, JWOWW….. not so much in the business sense.
Read this article →Recently I was asked to be on our local news channel to give my monthly “money talk”. The country had been recently been bombarded with one horrible storm after another. So I thought it was only fitting to tie that in to our financial life. Here’s what I came up in disaster proofing your investment portfolio.
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A common question among newly engaged and newly married couples is whether or not to have joint, separate , or mixed banking accounts. There are pros and cons to each method. Deciding on which method to use should involve discussion in the practical and relational realm.
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As a parent, it is natural to want to give your child the best possible start, especially when it comes to money. You want to teach your children good money habits, and them develop good practices that will allow them to succeed financially. In many cases, this is about more than just teaching budgeting 101 and how to avoid credit card debt. Many of us also want to help our children learn the ins and outs of investing.
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A major goal for most parents is to see their children graduate from college and receive a good job so that they can live a long and fruitful life. The recent financial fiascos of the United States have put a strain on the ability of government to contribute to the ever increasing costs of college.
Historically college costs have inflated at around 5-8 percent annually, with some long periods of inflation over 8 percent. This could pose a major problem when your average investment return will be in the range of 7% annually based off the historical returns of the S&P 500. This sounds overwhelming at first, but starting to save early is crucial to your success. From the day your child is born you will have approximately 18 years to be ready for the day your son or daughter is ready for college, but the question is, how much should you save?
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Recently we just welcomed our third son, Sloane Jeffrey Rose into the world, weighing a respectable 6 pounds 15 ounces. Not quite the bruiser as our second son, but it’s a good weight. He had a good solid cry when he came out so I’m sure he is going to have a good and strong voice, and we are expecting many sleepless nights to come. We are very excited. 
This is our third go-around at doing this, but we still had to remind ourselves of the items that we had to check off the list upon Sloane’s arrival. For those first time parents or maybe even second, third, fourth, or fifth (God bless you if you are this ambitious), here is a quick checklist of the items that you need to do once your child arrives.
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When it comes to credit cards I am a huge fan of nerds. Say what?
What I meant to say is that I am a huge fan of the guys over at Nerd Wallet.com. If you’re looking for an awesome site to find the best credit card for you no matter your situation, their site is it.
Period.
After starting my new business I thought it was a good time to hunt for a new business credit card. To practice what I preach, I decided to head over their site to see what I could find.
Check it out:
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Most people never need to worry about a special category of limits on 401k contributions. As a matter of fact, most people don’t even know that this category exists. However, those who have found themselves included in the highly compensated employees (HCE) category, learn quickly about the additional limits that are placed on their 401k contributions.
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Jeff Rose is a CERTIFIED FINANCIAL PLANNER™ professional and founder of Alliance Wealth Management, LLC.
Learn more on Good Financial Cents. Read more on my about page and learn more on personal finance, financial management and how to dump your debt.
Alliance Wealth Management, LLC
Jeff Rose, Certified Financial Planner™
115 S. Washington St.
Carbondale, IL 62901
(866)267-2591
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