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MOM AND DAD MONEY
It’s hard to balance all the new financial responsibilities that come with starting a family. From handling new expenses, to building savings, buying insurance, paying off debt, and investing for the future, it’s a lot to take on and there’s a lot of pressure to get it right. I know from experience. Even with my background as aCertified Financial
THE BEGINNER'S GUIDE TO INDEX INVESTING First, an index fund is a type of mutual fund, and a mutual fund is simply a collection of investments (stocks, bonds, real estate, etc.) that you can buy as a package deal. For example, a single mutual fund might own a little bit of stock in many different companies. Second, an index fund tracks an index, and an index is simply a WHY ALL MY INVESTMENTS ARE WITH VANGUARD My wife and I have all our investments with Vanguard. IRAs. College savings accounts. Regular investment accounts. They're all there and they're all invested in Vanguard funds. Now, this isn't the right way to go for everyone. Depending on your specific goals and needs, you may be better off somewhere else. But it's right for us and this iswhy.Read
THE SMART WAY TO USE TARGET DATE RETIREMENT FUNDS All the best research we have on investing says that a diversified portfolio of low-cost index funds is likely to outperform 80-90% of other investment strategies.. Simply put, index investing gives you the best possible chance of reaching your long-term goals. And in theory, target date retirement funds – or really any all-in-one fund – can make it as easy as possible to put that research HOW TO INVEST DIFFERENTLY FOR SHORT, MEDIUM, AND LONG-TERM First, your long-term goals will eventually become medium-term goals and your medium-term goals will eventually become short-term goals. As that happens you’ll want to adjust your strategy so that it always fits your current reality. Second, your progress towards a goal, or lack thereof, may necessitate a change in strategy: A big market A SIMPLE TOOL FOR CREATING A KILLER DEBT REPAYMENT PLAN A few weeks ago I was helping a client create a debt repayment plan and I found a great free tool that I'd like to share with you today. If you have student loans, credit cards, a mortgage, or any other debt that you're working to pay off, this tool will help you do it as quickly and effectively as SHOULD YOU GET INSURANCE ON YOUR OWN OR THROUGH WORK The two biggest advantages of getting insurance on your own are directly related to the two biggest disadvantages of getting it through work. First, you can get as much coverage as you need. There’s no employer limiting you. So even if your employer offers some amount of insurance, it may be necessary to find some individualcoverage on top
BUYING A CAR: SHOULD YOU PAY CASH OR GET A LOAN? The biggest benefit of buying a car with cash is that you don’t have to pay any interest. A car is a depreciating asset, meaning its value is constantly dropping. This is in contrast to something like investing in the stock market, where you hope that the value of the asset will grow. Paying interest for something that is losing valuemeans
IS IT WORTH CANCELING COLLISION AND COMPREHENSIVE COVERAGESEE MORE ONMOMANDDADMONEY.COM
WHY DOESN'T ANYONE TELL YOU THAT THE 2ND CHILD IS HARDER Every other parent I've talked to who recently had their second child agrees: having two kids is, like, exponentially harder than having one. And no one ever tells you that ahead of time! I don't know why that is, but today I want to share some of my own struggles soMOM AND DAD MONEY
It’s hard to balance all the new financial responsibilities that come with starting a family. From handling new expenses, to building savings, buying insurance, paying off debt, and investing for the future, it’s a lot to take on and there’s a lot of pressure to get it right. I know from experience. Even with my background as aCertified Financial
THE BEGINNER'S GUIDE TO INDEX INVESTING First, an index fund is a type of mutual fund, and a mutual fund is simply a collection of investments (stocks, bonds, real estate, etc.) that you can buy as a package deal. For example, a single mutual fund might own a little bit of stock in many different companies. Second, an index fund tracks an index, and an index is simply a WHY ALL MY INVESTMENTS ARE WITH VANGUARD My wife and I have all our investments with Vanguard. IRAs. College savings accounts. Regular investment accounts. They're all there and they're all invested in Vanguard funds. Now, this isn't the right way to go for everyone. Depending on your specific goals and needs, you may be better off somewhere else. But it's right for us and this iswhy.Read
THE SMART WAY TO USE TARGET DATE RETIREMENT FUNDS All the best research we have on investing says that a diversified portfolio of low-cost index funds is likely to outperform 80-90% of other investment strategies.. Simply put, index investing gives you the best possible chance of reaching your long-term goals. And in theory, target date retirement funds – or really any all-in-one fund – can make it as easy as possible to put that research HOW TO INVEST DIFFERENTLY FOR SHORT, MEDIUM, AND LONG-TERM First, your long-term goals will eventually become medium-term goals and your medium-term goals will eventually become short-term goals. As that happens you’ll want to adjust your strategy so that it always fits your current reality. Second, your progress towards a goal, or lack thereof, may necessitate a change in strategy: A big market A SIMPLE TOOL FOR CREATING A KILLER DEBT REPAYMENT PLAN A few weeks ago I was helping a client create a debt repayment plan and I found a great free tool that I'd like to share with you today. If you have student loans, credit cards, a mortgage, or any other debt that you're working to pay off, this tool will help you do it as quickly and effectively as SHOULD YOU GET INSURANCE ON YOUR OWN OR THROUGH WORK The two biggest advantages of getting insurance on your own are directly related to the two biggest disadvantages of getting it through work. First, you can get as much coverage as you need. There’s no employer limiting you. So even if your employer offers some amount of insurance, it may be necessary to find some individualcoverage on top
BUYING A CAR: SHOULD YOU PAY CASH OR GET A LOAN? The biggest benefit of buying a car with cash is that you don’t have to pay any interest. A car is a depreciating asset, meaning its value is constantly dropping. This is in contrast to something like investing in the stock market, where you hope that the value of the asset will grow. Paying interest for something that is losing valuemeans
IS IT WORTH CANCELING COLLISION AND COMPREHENSIVE COVERAGESEE MORE ONMOMANDDADMONEY.COM
WHY DOESN'T ANYONE TELL YOU THAT THE 2ND CHILD IS HARDER Every other parent I've talked to who recently had their second child agrees: having two kids is, like, exponentially harder than having one. And no one ever tells you that ahead of time! I don't know why that is, but today I want to share some of my own struggles soMOM AND DAD MONEY
Hi, I'm Matt and I'm the founder of Mom and Dad Money, a fee-only financial planning practice dedicated to helping new parents build happy families by making money simple. Here's a little bit of my story, why I started this site, who it's for, and how you can get involved. When my wife and I THE BEGINNER'S GUIDE TO INDEX INVESTING First, an index fund is a type of mutual fund, and a mutual fund is simply a collection of investments (stocks, bonds, real estate, etc.) that you can buy as a package deal. For example, a single mutual fund might own a little bit of stock in many different companies. Second, an index fund tracks an index, and an index is simply a THE 4 STAGES OF FINANCIAL SUCCESS Stage 2: Control. Main goal: Create a system that allows you to direct your money towards the things you care about. Whether it’s the accumulation of debt or simply the lack of progress towards your biggest financial goals, a lack of control over your money is typically the main culprit. DIVERSIFICATION EXPLAINED Diversification is one of the most powerful investment tools available to you, but it's also one of the most misunderstood. And unfortunately that confusion leads to portfolios that aren't truly diversified, which can lead to under-performance and sometimes even excessive risk. Here's how to do it right.Read more HOW TO START BUDGETING FROM SCRATCH Maybe you've tried to make a budget before and it hasn't really worked. Or maybe you're new to the whole budgeting thing and don't know where to start. Here's the thing: you don't need a 'budget'. You need a system that allows you to use your money purposefully without all the day-to-day stress that comes with a traditional budget.Readmore
HOW MUCH DOES FINANCIAL FREEDOM COST? Step 3: Multiple by 4%. Take your net savings from Step 2 and multiply it by 4%. The result is the amount of annual income your current savings would support indefinitely. For example, let’s say that you have $100,000 in savings and $20,000 in various loans. That means you have $80,000 of net savings. THE POWER OF SPENDING LESS If you need to find some room in your budget, you've got two options: 1) Spending less, or 2) Earning more. Both are great, but there are some not-so-obvious reasons that spending less is an incredibly powerful tool. When it's done right, it can make your life easier and happier in ways you may not have previously considered.Read more IS IT WORTH CANCELING COLLISION AND COMPREHENSIVE COVERAGE Just about 2 years ago my wife and I decided to get rid of both the collision and comprehensive coverage on our cars. We still had car insurance (including the max amount of liability coverage), we just stopped paying for those particular parts of the coverage.. Which might be surprising if you’ve spent any time here, given how much I love insurance and how much of it I have. 6 TIMES AN INVESTMENT ADVISOR ISN'T A WASTE OF MONEY So thing #1 you shouldn’t pay for is an investment professional who claims that he or she will beat the market. You’ll almost certainly get worse returns and pay a hefty price for the privilege. Thing #2 you shouldn’t pay for is a professional who simply buys index funds, holds onto them, and rebalances for you every once in a while. THE PROS AND CONS OF USING A ROTH IRA FOR COLLEGE SAVINGS While Roth IRAs are technically retirement accounts, they are incredibly flexible and they have a few characteristics that make them particularly useful for college savings, especially if you're not 100% sure you want to be saving money specifically for education. But there are some downsides too, and in this post we'll explore the pros andcons.Read more
MOM AND DAD MONEY
It’s hard to balance all the new financial responsibilities that come with starting a family. From handling new expenses, to building savings, buying insurance, paying off debt, and investing for the future, it’s a lot to take on and there’s a lot of pressure to get it right. I know from experience. Even with my background as aCertified Financial
THE BEGINNER'S GUIDE TO INDEX INVESTING First, an index fund is a type of mutual fund, and a mutual fund is simply a collection of investments (stocks, bonds, real estate, etc.) that you can buy as a package deal. For example, a single mutual fund might own a little bit of stock in many different companies. Second, an index fund tracks an index, and an index is simply a WHY ALL MY INVESTMENTS ARE WITH VANGUARD My wife and I have all our investments with Vanguard. IRAs. College savings accounts. Regular investment accounts. They're all there and they're all invested in Vanguard funds. Now, this isn't the right way to go for everyone. Depending on your specific goals and needs, you may be better off somewhere else. But it's right for us and this iswhy.Read
THE SMART WAY TO USE TARGET DATE RETIREMENT FUNDS All the best research we have on investing says that a diversified portfolio of low-cost index funds is likely to outperform 80-90% of other investment strategies.. Simply put, index investing gives you the best possible chance of reaching your long-term goals. And in theory, target date retirement funds – or really any all-in-one fund – can make it as easy as possible to put that research THE POWER OF SPENDING LESS If you need to find some room in your budget, you've got two options: 1) Spending less, or 2) Earning more. Both are great, but there are some not-so-obvious reasons that spending less is an incredibly powerful tool. When it's done right, it can make your life easier and happier in ways you may not have previously considered.Read more HOW TO INVEST DIFFERENTLY FOR SHORT, MEDIUM, AND LONG-TERM First, your long-term goals will eventually become medium-term goals and your medium-term goals will eventually become short-term goals. As that happens you’ll want to adjust your strategy so that it always fits your current reality. Second, your progress towards a goal, or lack thereof, may necessitate a change in strategy: A big market 3 REASONS TO SET UP A LIVING TRUST A trust allows you to specify your own terms and can even protect that money from creditors or a bad marriage. 3. It may save you money. The big downside of creating a living trust is the up-front cost (more on that below). But the flipside is that it may actually save you moneyin the long run.
WHY THE ROTH IRA IS THE ULTIMATE SAVINGS ACCOUNT Most people think about the Roth IRA as a retirement account, which makes sense given that that's what it was originally designed for. But really, a Roth IRA is resourceful enough to be used effectively for just about any financial goal, from short-term emergency savings to long-term retirement income.Read more SHOULD YOU GET INSURANCE ON YOUR OWN OR THROUGH WORK The two biggest advantages of getting insurance on your own are directly related to the two biggest disadvantages of getting it through work. First, you can get as much coverage as you need. There’s no employer limiting you. So even if your employer offers some amount of insurance, it may be necessary to find some individualcoverage on top
4 TYPES OF INSURANCE ALL NEW PARENTS SHOULD HAVE The biggest is parents. For working parents, life insurance would replace the income that your spouse and children depend on to pay bills and save for the future. For stay-at-home parents, life insurance would pay for the cost of replacing the servicesMOM AND DAD MONEY
It’s hard to balance all the new financial responsibilities that come with starting a family. From handling new expenses, to building savings, buying insurance, paying off debt, and investing for the future, it’s a lot to take on and there’s a lot of pressure to get it right. I know from experience. Even with my background as aCertified Financial
THE BEGINNER'S GUIDE TO INDEX INVESTING First, an index fund is a type of mutual fund, and a mutual fund is simply a collection of investments (stocks, bonds, real estate, etc.) that you can buy as a package deal. For example, a single mutual fund might own a little bit of stock in many different companies. Second, an index fund tracks an index, and an index is simply a WHY ALL MY INVESTMENTS ARE WITH VANGUARD My wife and I have all our investments with Vanguard. IRAs. College savings accounts. Regular investment accounts. They're all there and they're all invested in Vanguard funds. Now, this isn't the right way to go for everyone. Depending on your specific goals and needs, you may be better off somewhere else. But it's right for us and this iswhy.Read
THE SMART WAY TO USE TARGET DATE RETIREMENT FUNDS All the best research we have on investing says that a diversified portfolio of low-cost index funds is likely to outperform 80-90% of other investment strategies.. Simply put, index investing gives you the best possible chance of reaching your long-term goals. And in theory, target date retirement funds – or really any all-in-one fund – can make it as easy as possible to put that research THE POWER OF SPENDING LESS If you need to find some room in your budget, you've got two options: 1) Spending less, or 2) Earning more. Both are great, but there are some not-so-obvious reasons that spending less is an incredibly powerful tool. When it's done right, it can make your life easier and happier in ways you may not have previously considered.Read more HOW TO INVEST DIFFERENTLY FOR SHORT, MEDIUM, AND LONG-TERM First, your long-term goals will eventually become medium-term goals and your medium-term goals will eventually become short-term goals. As that happens you’ll want to adjust your strategy so that it always fits your current reality. Second, your progress towards a goal, or lack thereof, may necessitate a change in strategy: A big market 3 REASONS TO SET UP A LIVING TRUST A trust allows you to specify your own terms and can even protect that money from creditors or a bad marriage. 3. It may save you money. The big downside of creating a living trust is the up-front cost (more on that below). But the flipside is that it may actually save you moneyin the long run.
WHY THE ROTH IRA IS THE ULTIMATE SAVINGS ACCOUNT Most people think about the Roth IRA as a retirement account, which makes sense given that that's what it was originally designed for. But really, a Roth IRA is resourceful enough to be used effectively for just about any financial goal, from short-term emergency savings to long-term retirement income.Read more SHOULD YOU GET INSURANCE ON YOUR OWN OR THROUGH WORK The two biggest advantages of getting insurance on your own are directly related to the two biggest disadvantages of getting it through work. First, you can get as much coverage as you need. There’s no employer limiting you. So even if your employer offers some amount of insurance, it may be necessary to find some individualcoverage on top
4 TYPES OF INSURANCE ALL NEW PARENTS SHOULD HAVE The biggest is parents. For working parents, life insurance would replace the income that your spouse and children depend on to pay bills and save for the future. For stay-at-home parents, life insurance would pay for the cost of replacing the servicesMOM AND DAD MONEY
It’s hard to balance all the new financial responsibilities that come with starting a family. From handling new expenses, to building savings, buying insurance, paying off debt, and investing for the future, it’s a lot to take on and there’s a lot of pressure to get it right. I know from experience. Even with my background as aCertified Financial
SHOULD YOU GET INSURANCE ON YOUR OWN OR THROUGH WORK When you go looking for insurance, you'll find that there are two main ways to get it: through your employer or out on your own. Both have their strengths and weaknesses, and in this post we'll walk through them all so that you can make sure your family gets WHERE SHOULD BUYING A HOUSE FIT IN YOUR FINANCIAL Over a longer period of time, buying a house can facilitate both the goals of security and freedom. Owning a home outright decreases your expenses, which can give you more flexibility when it comes to income and can make it easier to weather any difficult financial situations, such as losing a job. But it also somewhat decreases flexibility, as WHY THE TAX BENEFITS OF OWNING YOUR HOME AREN'T AS BIG AS The IRS allows you to exclude up to $250,000 in gains from the sale of your principal residence. If you’re married and file jointly, you can exclude up to $500,000 in gains. So if you’re married and you buy a house today for $300,000 and sell it years WHY WE (FINALLY!) DECIDED TO BUY A HOUSE On July 17, my wife and I signed the final piece of paper and officially became homeowners for the first time in our lives. Up to that point we had always been renters, and while we were nervous about making such a big financial commitment, buying finally seemed like the right decision for our family at this point in our 6 TIMES AN INVESTMENT ADVISOR ISN'T A WASTE OF MONEY So thing #1 you shouldn’t pay for is an investment professional who claims that he or she will beat the market. You’ll almost certainly get worse returns and pay a hefty price for the privilege. Thing #2 you shouldn’t pay for is a professional who simply buys index funds, holds onto them, and rebalances for you every once in a while. BUYING A CAR: SHOULD YOU PAY CASH OR GET A LOAN? The biggest benefit of buying a car with cash is that you don’t have to pay any interest. A car is a depreciating asset, meaning its value is constantly dropping. This is in contrast to something like investing in the stock market, where you hope that the value of the asset will grow. Paying interest for something that is losing valuemeans
THE PROS AND CONS OF USING A ROTH IRA FOR COLLEGE SAVINGS While Roth IRAs are technically retirement accounts, they are incredibly flexible and they have a few characteristics that make them particularly useful for college savings, especially if you're not 100% sure you want to be saving money specifically for education. But there are some downsides too, and in this post we'll explore the pros andcons.Read more
WHY WHOLE LIFE INSURANCE IS A BAD Whole life insurance is often sold as a kind of cure-all investment, with built-in tax advantages and flexibility to help you handle just about any need. But the truth is that whole life insurance is a poor fit for just about everyone, with significant weaknesses that are all too often hidden by the agents selling these policies.Read more TRADITIONAL VS. ROTH IRA: SOME UNCONVENTIONAL WISDOM FOR 5 A marginal tax rate is the tax you will pay on your last dollar of income. If you're in the 15% tax bracket, your marginal tax rate is 15%. Your last dollar earned was taxed at 15%, and if you earn another dollar it will be taxed at 15%.MOM AND DAD MONEY
It’s hard to balance all the new financial responsibilities that come with starting a family. From handling new expenses, to building savings, buying insurance, paying off debt, and investing for the future, it’s a lot to take on and there’s a lot of pressure to get it right. I know from experience. Even with my background as aCertified Financial
THE BEGINNER'S GUIDE TO INDEX INVESTING First, an index fund is a type of mutual fund, and a mutual fund is simply a collection of investments (stocks, bonds, real estate, etc.) that you can buy as a package deal. For example, a single mutual fund might own a little bit of stock in many different companies. Second, an index fund tracks an index, and an index is simply a WHY ALL MY INVESTMENTS ARE WITH VANGUARD My wife and I have all our investments with Vanguard. IRAs. College savings accounts. Regular investment accounts. They're all there and they're all invested in Vanguard funds. Now, this isn't the right way to go for everyone. Depending on your specific goals and needs, you may be better off somewhere else. But it's right for us and this iswhy.Read
THE SMART WAY TO USE TARGET DATE RETIREMENT FUNDSTARGET DATE RETIREMENT FUNDSBEST RETIREMENT TARGET DATE FUNDS All the best research we have on investing says that a diversified portfolio of low-cost index funds is likely to outperform 80-90% of other investment strategies.. Simply put, index investing gives you the best possible chance of reaching your long-term goals. And in theory, target date retirement funds – or really any all-in-one fund – can make it as easy as possible to put that research HOW TO START BUDGETING FROM SCRATCH Maybe you've tried to make a budget before and it hasn't really worked. Or maybe you're new to the whole budgeting thing and don't know where to start. Here's the thing: you don't need a 'budget'. You need a system that allows you to use your money purposefully without all the day-to-day stress that comes with a traditional budget.Readmore
6 TIMES AN INVESTMENT ADVISOR ISN'T A WASTE OF MONEY So thing #1 you shouldn’t pay for is an investment professional who claims that he or she will beat the market. You’ll almost certainly get worse returns and pay a hefty price for the privilege. Thing #2 you shouldn’t pay for is a professional who simply buys index funds, holds onto them, and rebalances for you every once in a while. 3 REASONS TO SET UP A LIVING TRUST A trust allows you to specify your own terms and can even protect that money from creditors or a bad marriage. 3. It may save you money. The big downside of creating a living trust is the up-front cost (more on that below). But the flipside is that it may actually save you moneyin the long run.
SHOULD YOU GET INSURANCE ON YOUR OWN OR THROUGH WORK The two biggest advantages of getting insurance on your own are directly related to the two biggest disadvantages of getting it through work. First, you can get as much coverage as you need. There’s no employer limiting you. So even if your employer offers some amount of insurance, it may be necessary to find some individualcoverage on top
A SIMPLE TOOL FOR CREATING A KILLER DEBT REPAYMENT PLAN A few weeks ago I was helping a client create a debt repayment plan and I found a great free tool that I'd like to share with you today. If you have student loans, credit cards, a mortgage, or any other debt that you're working to pay off, this tool will help you do it as quickly and effectively as 4 TYPES OF INSURANCE ALL NEW PARENTS SHOULD HAVE The biggest is parents. For working parents, life insurance would replace the income that your spouse and children depend on to pay bills and save for the future. For stay-at-home parents, life insurance would pay for the cost of replacing the servicesMOM AND DAD MONEY
It’s hard to balance all the new financial responsibilities that come with starting a family. From handling new expenses, to building savings, buying insurance, paying off debt, and investing for the future, it’s a lot to take on and there’s a lot of pressure to get it right. I know from experience. Even with my background as aCertified Financial
THE BEGINNER'S GUIDE TO INDEX INVESTING First, an index fund is a type of mutual fund, and a mutual fund is simply a collection of investments (stocks, bonds, real estate, etc.) that you can buy as a package deal. For example, a single mutual fund might own a little bit of stock in many different companies. Second, an index fund tracks an index, and an index is simply a WHY ALL MY INVESTMENTS ARE WITH VANGUARD My wife and I have all our investments with Vanguard. IRAs. College savings accounts. Regular investment accounts. They're all there and they're all invested in Vanguard funds. Now, this isn't the right way to go for everyone. Depending on your specific goals and needs, you may be better off somewhere else. But it's right for us and this iswhy.Read
THE SMART WAY TO USE TARGET DATE RETIREMENT FUNDSTARGET DATE RETIREMENT FUNDSBEST RETIREMENT TARGET DATE FUNDS All the best research we have on investing says that a diversified portfolio of low-cost index funds is likely to outperform 80-90% of other investment strategies.. Simply put, index investing gives you the best possible chance of reaching your long-term goals. And in theory, target date retirement funds – or really any all-in-one fund – can make it as easy as possible to put that research HOW TO START BUDGETING FROM SCRATCH Maybe you've tried to make a budget before and it hasn't really worked. Or maybe you're new to the whole budgeting thing and don't know where to start. Here's the thing: you don't need a 'budget'. You need a system that allows you to use your money purposefully without all the day-to-day stress that comes with a traditional budget.Readmore
6 TIMES AN INVESTMENT ADVISOR ISN'T A WASTE OF MONEY So thing #1 you shouldn’t pay for is an investment professional who claims that he or she will beat the market. You’ll almost certainly get worse returns and pay a hefty price for the privilege. Thing #2 you shouldn’t pay for is a professional who simply buys index funds, holds onto them, and rebalances for you every once in a while. 3 REASONS TO SET UP A LIVING TRUST A trust allows you to specify your own terms and can even protect that money from creditors or a bad marriage. 3. It may save you money. The big downside of creating a living trust is the up-front cost (more on that below). But the flipside is that it may actually save you moneyin the long run.
SHOULD YOU GET INSURANCE ON YOUR OWN OR THROUGH WORK The two biggest advantages of getting insurance on your own are directly related to the two biggest disadvantages of getting it through work. First, you can get as much coverage as you need. There’s no employer limiting you. So even if your employer offers some amount of insurance, it may be necessary to find some individualcoverage on top
A SIMPLE TOOL FOR CREATING A KILLER DEBT REPAYMENT PLAN A few weeks ago I was helping a client create a debt repayment plan and I found a great free tool that I'd like to share with you today. If you have student loans, credit cards, a mortgage, or any other debt that you're working to pay off, this tool will help you do it as quickly and effectively as 4 TYPES OF INSURANCE ALL NEW PARENTS SHOULD HAVE The biggest is parents. For working parents, life insurance would replace the income that your spouse and children depend on to pay bills and save for the future. For stay-at-home parents, life insurance would pay for the cost of replacing the servicesMOM AND DAD MONEY
It’s hard to balance all the new financial responsibilities that come with starting a family. From handling new expenses, to building savings, buying insurance, paying off debt, and investing for the future, it’s a lot to take on and there’s a lot of pressure to get it right. I know from experience. Even with my background as aCertified Financial
MOM AND DAD MONEY
Hi, I'm Matt and I'm the founder of Mom and Dad Money, a fee-only financial planning practice dedicated to helping new parents build happy families by making money simple. Here's a little bit of my story, why I started this site, who it's for, and how you can get involved. When my wife and I BUILDING FINANCIAL SECURITY FOR YOUR FAMILY When it comes to money, most of my decisions are based on how it will help me achieve either of my top two financial goals: Security Freedom Today I want to talk about the first of those goals: financial security. My absolute primary financial objective is to make sure that my family always has enough money to meet their basic HOW TO INVEST DIFFERENTLY FOR SHORT, MEDIUM, AND LONG-TERM There's a lot of advice out there when it comes to investing for long-term goals like retirement. The same is true for short-term goals like next year's vacation. But what about your goals that fall somewhere in between? What if you want to buy a house in 5 years, or your child is starting college in 8 years? How should 6 FIRST STEPS TO STARTING A BUSINESS YOU LOVE I think God speaks to me through blogs. I’m only half-kidding. Last week, I learned to be greater up, even when things looked dim. This is the second blog I’ve read this morning that had a little nugget in there, telling me not to necessarily worry about shelling out for a WHY WE (FINALLY!) DECIDED TO BUY A HOUSE On July 17, my wife and I signed the final piece of paper and officially became homeowners for the first time in our lives. Up to that point we had always been renters, and while we were nervous about making such a big financial commitment, buying finally seemed like the right decision for our family at this point in our THE POWER OF SPENDING LESS If you need to find some room in your budget, you've got two options: 1) Spending less, or 2) Earning more. Both are great, but there are some not-so-obvious reasons that spending less is an incredibly powerful tool. When it's done right, it can make your life easier and happier in ways you may not have previously considered.Read more IS IT WORTH CANCELING COLLISION AND COMPREHENSIVE COVERAGE So what that meant was that even if both cars were totaled, the maximum value we would get out of our collision and comprehensive coverage was $3,500. Meanwhile, we were paying a combined $449 per year for collision and $381 per year for comprehensive. A total of $830 per year for the two cars. So our thought process essentiallylooked like
WHY DOESN'T ANYONE TELL YOU THAT THE 2ND CHILD IS HARDER Every other parent I've talked to who recently had their second child agrees: having two kids is, like, exponentially harder than having one. And no one ever tells you that ahead of time! I don't know why that is, but today I want to share some of my own struggles so THE PROS AND CONS OF USING A ROTH IRA FOR COLLEGE SAVINGS While Roth IRAs are technically retirement accounts, they are incredibly flexible and they have a few characteristics that make them particularly useful for college savings, especially if you're not 100% sure you want to be saving money specifically for education. But there are some downsides too, and in this post we'll explore the pros andcons.Read more
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HI, I’M MATT
Here at Mom and Dad Money, I help you take control of your money so you can take care of your familyHI, I’M MATT
Here at Mom and Dad Money, I help you take control of your money so you can take care of your family It’s hard to balance all the new financial responsibilities that come with starting a family. From handling new expenses, to building savings, buying insurance, paying off debt, and investing for the future, it’s a lot to take on and there’s a lot of pressure to getit right.
I know from experience. Even with my background as a Certified Financial Plannertm, I struggled to make the right decisions when my wife and I were starting our family. I honestly didn’t feel confident in my ability to handle it. > Maybe you’re feeling overwhelmed too and you’re not sure where > to start. Or maybe you’ve already made a lot of the “right” > financial moves, but you’re still not sure whether you’re on the > right track for what YOU want out of life. No matter what, I know that you want to feel confident about your financial decisions so that you can stop worrying about money and get back to the things you actually enjoy. Through my personal experience as a dad and the one-on-one financial planning I do every day with other parents, I’ve learned a lot about what works and what doesn’t. And my mission here at Mom and Dad Money is to make sure that YOU know how to take the next step and build a better financial future for youand your family.
I hope you’ll join me!__Share
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