We have now passed the October 15th tax deadline and are heading into Thanksgiving and the December holidays. While this time of year is busy and can pass quickly, it is also the best time of year for retirement and tax planning. Take time to reflect on the past year, and consider what changes, if any, to make in your finances before December 31.
I've also mentioned in the past that these goals should be SMART goals. SMART goals must be: Specific Measurable Achievable Relevant Time-Bound
One of my top reasons for rolling over a 401(k) is to consolidate your retirement assets in one place. Since most people have worked for several different employers over their career, they often have multiple retirement plans with different firms. This can make tracking performance and investments more challenging than if the assets are all in one IRA. While this may not sound like a big deal, too often I have had people tell me “I have retirement plans all over the place and have no idea how they are doing.” Given how important retirement is “having no idea” does not sound like a good long term strategy for success.
Job market demand, the pros and cons of advanced degrees and networking opportunities all factor into the major selection equation.
Over the past few decades, many Americans have turned to online dating apps looking for love. A Pew Research Center survey found 3 in 10 Americans have used online dating, and 1 in 6 adults over 50 have used dating apps. Unfortunately, the vast majority of phony romantic overtures take place on online dating apps and on social media platforms (Facebook, Instagram, and Snapchat).
When a child moves far away, even for exciting reasons like a new job or a closer relationship, it can stir a mixture of emotions—pride, happiness for them, and, of course, feelings of loss or longing. For many parents, it’s an adjustment, especially if you’ve been used to having your child close by.