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Gary S. Williams: Credit is a fact of life, but use it carefully
Posted by: Gary S. Williams on 2011-05-22
Credit was once defined as “man’s confidence in man.” But in fact, the definition of credit today is more like “man’s confidence in himself.” Using credit today means you have confidence in your future ability to pay that debt. Forty years ago, your parents may have paid cash for their homes and their cars, a…
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Gary S. Williams: Spend time on keeping assets
Posted by: Gary S. Williams on 2011-05-08
Investors often concentrate on accumulating assets, but how much time and energy is spent on preserving those hard-earned assets for future generations? Not nearly enough. Have you considered any of the following strategies to help pass along more of your estate to your heirs? Many people don’t begin thinking about transferring their assets until retirement….
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Gary S. Williams: ‘Pay later’ mentality could ruin your credit
Posted by: Gary S. Williams on 2011-05-01
Installment debt is not a bad thing. It enables us to make major purchases that would be nearly impossible to finance up-front. The problem is, in this consumer society, we’re bombarded with advertisements for literally thousands of “must-have” products. The result is that while our parents tended to pay with cash and buy only what…
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Gary S. Williams: Moves to help your retirement money last
Posted by: Gary S. Williams on 2011-03-27
Except for the fortunate few who don’t have to worry about money, the ultimate goal for most retirees is making sure their assets last as long as they live. Once a person or household no longer can rely on earned income to pay the bills and save for the future, balancing income and expenses becomes…
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Gary S. Williams: Remember to focus on long term
Posted by: Gary S. Williams on 2011-03-21
Monitoring what’s happening in the U.S. economy isn’t always easy. Seemingly small events that happen within our borders or overseas can sometimes have a huge impact on the markets and the economy. Adopting the right mindset and following a few common-sense rules may help you survive regardless of short-term events. -Focus on long-term goals: Building…
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Gary S. Williams: Make sure mortgage doesn’t cause financial strain
Posted by: Gary S. Williams on 2011-03-06
A mortgage is one element of total household expenses, such as taxes and heating costs, that is likely to increase over time. It’s important to consider increases in household expenses in addition to your mortgage payment. It’s important to arrive at a monthly mortgage payment that doesn’t cause financial strain. When deciding how much mortgage…
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Gary S. Williams: Options to help aging parents
Posted by: Gary S. Williams on 2011-02-27
If you provided more than half of a parent’s support and his or her gross income was less than $3,650, you can claim your parent as your dependent, which gives you a tax exemption and permits you to write off a significant portion of medical expenses. Many baby boomers find that their aging parents need…
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Gary S. Williams: Consider goals before refinance
Posted by: Gary S. Williams on 2011-02-13
As the economy recovers, homeowners are faced with the good news/bad news prospect of a better real estate market with the likelihood of higher mortgage interest rates. For many, that leaves three choices — sell, refinance or sit tight with the mortgage they have now. Despite the average 30-year mortgage rate that stood at 4.8…
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Gary S. Williams: Start planning for retirement well in advance
Posted by: Gary S. Williams on 2011-02-06
One of the biggest lessons of the recent economy is that many people who thought they were financially ready for retirement … weren’t. The amount of money, investments and government support you’ll need to retire comfortably is as individual as you are. Some people plan to work in retirement. Others have health issues or other…
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Gary S. Williams: Financial planning very important for military personnel
Posted by: Gary S. Williams on 2011-01-30
As the United States goes into its ninth year of military action in Afghanistan and Iraq, financial planning for military personnel and their families has taken on unprecedented importance. Multiple deployments during the longest wartime period of U.S. history have added considerable strain to military family budgets already shaken by the worst economic downturn in…
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