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Author Archives: Gary S. Williams

Experts: Time to revisit gospel of retirement planning

With stagnant incomes and roller-coaster investment returns over the past decade, individuals on the brink of retirement might wonder what became of all those “rules of thumb” affecting how they handle their nest egg once they walk away from their ...

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Include long-term care in retirement plans

Current estimates from AARP put the annual cost of a private nursing home room at a national average of $78,000. As older Americans are still struggling to reassemble their retirement plans from the worst economic downturn in 70 years, relatively ...

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Good time for a financial review

This is not the time of year when everyone wants to stay indoors with their finances. But a midyear review of your tax situation, retirement and spending issues can be far more valuable than the rushed attempt most people make ...

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Cut your balances to build up credit score

It doesn’t take much these days to damage a credit score. Before the recession, late payments and blasting through credit limits would take its toll. But in the past year, Fair Isaac, the company that developed the algorithm that is ...

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Want to stay on the job? Do your homework

Last October, the MetLife Mature Market Institute released a study that said the over-55 work force will account for almost 93 percent of the net increase in the U.S. civilian labor force between 2006 and 2016. At the same time, ...

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Commentary: Consider writing a family mission statement

A family doesn’t need a surname like Vanderbilt to benefit from a family mission statement. A mission statement is a collaborative document created by one or more generations of family so standards and goals can be set for the handling ...

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Saving for a child’s private school isn’t easy

Sending your child to private school is an expensive proposition. For most people, it’s made a little tougher by the fact that it’s necessary to save for a child’s college education at the same time. Some have the income that ...

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Give smart and do research before donating

Despite the recession, Americans haven’t shut down much of their charitable giving. According to the Giving USA Foundation, U.S. charitable giving stood at $307.65 billion in 2008, down only 2 percent from the previous year. This year may not be ...

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A primer on why life insurance is necessary

You may have read that term life insurance rates are at historic lows and that now is the time to buy. It’s worth a quick primer on why life insurance is necessary and who should buy it before getting to ...

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Don’t forget individual disability coverage

The commercial featuring that loud, quacking duck has gone a long way to making people think about individual disability coverage as a way to keep bills paid if the family breadwinner gets sick or injured over an extended period of ...

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