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Lori Morgan
Financial

As you’re well aware, a partial government shutdown began on Oct. 1. No matter what one’s views are on the political issues that led to this event, it’s probably fair to say that a shutdown is not particularly good news, on many fronts. Although essential services will continue, including Social Security and Medicare payments, other governmental functions will be disrupted, and hundreds of thousands of workers will be furloughed. So, as a citizen, you may well have concerns about the shutdown. But how will the shutdown affect you as an investor?

First of all, you may want to take to heart the slogan popularized by the British in World War II: “Keep calm and carry on.” You don’t need to panic, nor do you need to make massive changes to your investment portfolio or even take a “time out” from investing. It’s highly likely that, like all political/economic traumas in the past, this one, too, shall pass. read more »

 
Wealth And Estate Planning

School is back in session. If you have school-age children, you’re probably busy getting them acclimated to another year of hitting the books. But the school years go by quickly, so it won’t be long before your kids are ready to head off to college. Will you be financially prepared to help them? read more »

 
Financial

Once again, it’s time to make some New Year’s resolutions. This year, in addition to hitting the gym, learning that second language and getting better organized, why not also consider a few financial resolutions?

What types of resolutions might you consider? Here are a few suggestions:

Contribute more to your retirement accounts. The new year means that you are one year closer to retirement. To help yourself build resources for the lifestyle you’ve envisioned as a retiree, try to boost your contributions to your 401(k) or other employer-sponsored retirement plan. read more »

 
Wealth And Estate Planning

Over the past few years, if you’ve taken out a mortgage or another consumer loan, you’ve probably welcomed the low interest rates you may have received. But as an investor, if you’ve kept any retirement savings in fixed-rate investment vehicles, you may have seen low rates in a less favorable light. And that’s why it may be time for you take a closer look at your financial strategy for working toward the retirement lifestyle you’ve envisioned.

Of course, you can always hope that interest rates will rise, and perhaps they will. As you may know, the Federal Reserve has kept interest rates at record lows in recent years to stimulate lending and thereby boost the economy. read more »

 

Like many people, you may dream of a day in which you get a sudden infusion of wealth. Realistically, you know that you’re probably not going to win the lottery, but you could get an inheritance. And, depending on its size, it could give you an enormous boost toward achieving your long-term financial goals — if you use the money wisely. read more »

 

If you work for a company that offers a 401, consider yourself fortunate. A 401 offers tax-deferred earnings growth, the ability to make pre-tax contributions and a variety of investment choices. Your 401 may also over a loan feature — but you may want to think twice before using it. read more »

 
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