by | | Financial Guides, Financial Independence Coach, The Blog
How To Diversify For Maximum Return
Asset allocation-not stock or mutual fund selection, not market timing-is generally the most important factor in determining the return on your investments. In fact, according to research which earned the Nobel Prize, asset allocation ( the types or classes of securities owned) determines approximately 90% of the return. The remaining 10% of the return is determined by which particular investments (stock, bond, mutual fund, etc.) you select and when you decide to buy them. (more…)
by | | Financial Guides, Financial Independence Coach, The Blog
1. Save As Much As You Can As Early As You Can.
Though it’s never too late to start, the sooner you begin saving, the more time your money has to grow. Gains each year build on the prior year’s — that’s the power of compounding, and the best way to accumulate wealth. (more…)
by | | Financial Guides, Financial Independence Coach, The Blog
For the young, newly married couple, areas of financial concern primarily include: (1) life insurance, (2) form of property ownership, and (3) money management.
Life Insurance
When it comes to insurance needs, the basic rule is that you need enough coverage to sustain your family’s present income level should you die. If you are the only breadwinner, or if you plan on starting a family soon, then you should purchase life insurance. (more…)
by | | Financial Guides, Financial Independence Coach, The Blog
If you’re a small business owner with fewer than 25 full-time equivalent employees you may be eligible for the small business health care credit that went into effect in 2010.
What is the Small Business Health Care Credit?
The small business health care tax credit, part of the Affordable Care Act enacted in 2010, is specifically targeted to help small businesses and tax-exempt organizations provide health insurance for their employees. Small employers that pay at least half of the premiums for employee health insurance coverage under a qualifying arrangement may be eligible for this credit. (more…)
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