"Now is the accepted time to make your regular annual good resolutions. Next week you can begin paving hell with them as usual." Mark TwainHere we are - a New Year. Some also say a New Decade.What 'Financial' Resolutions have you made? Can't think of any? Here are a few tips.1. Review and Rebalance your Investments and 401(k)If you have been putting it off for a while to "wait & see", your account is probably seriously out of balance. Sit down with an advisor to review your goals and make your your fund mix matches what your needs are.2. Increase Contributions to Your 401(k)Are you putting between 10% and 15% into your 401(k) at work? If not, then at least raise the amount you are putting in. Gradually work yourself up to that level. You will need the nest egg for income later.3. Pay Off Credit Cards and Other DebtIf you are having trouble with #2, get these paid off and free up some money for yourself.4. Set Up a Budget and Stick To ItThere are a number of places you can find good basic worksheets for setting up a budget. It should be simple. Just make sure all of your money has a place to go - either savings or expenses. Here is a site with some downloadable sheets. http://www.betterbudgeting.com/5. Contribute to a Roth IRA and Convert Pre-Tax Retirement Savings You can put up to $5000 into a Roth ($6000 if you are 50 and older). You can still make 2009 contributions up until April 15. The Roth IRA of course grows tax free and allows you to make withdrawals at retirement which are also tax free.There are no income restrictions for the Roth this year and if you choose to convert any money from your Traditional Pre-Tax IRA to the Roth, you may spread the taxes out over the next 2 years.You can contact me through my website, http://www.helpmy401k.us/. You may also follow me on Twitter at http://www.twitter.com/deanvoelker. I also host a weekly internet radio program at http://www.blogtalkradio.com/401kcoach.
Shannon Okey on the Yarn Thing Podcast with Marly Bird
Holiday Tips For Each Type and What To Do With Santa?
Join Partners and Health and Biz talk show host and her special Cailah Brock, co-founder and CEO of The Rock Solid Fitness LLC, Performance Training and Wellness Consulting. She is an Author, Certified Strength and Conditioning Specialist, and Health Coach.
January Jones visits with Sporty King & Holiday Humor! What Do Women Want For Christmas? Hint: What Kind of Man? Sporty King, humorist, author, speaker and Veteran's Advocate shares this his holiday with humor with hope!
Joy Keys chats with Author Bridgett M. Davis about her new book Into The Go-Slow.
This week President Barack Obama and the first lady sat down with People magazine to discuss race relations in America. Best-selling author and director of outreach with Freedomworks, Deneen Borelli joins me with her reaction.
Laura Theodore the Jazzy Vegetarian welcomes Best- Selling author and holistic coach, Victoria Moran to chat about tips and recipes for hosting a healthy holiday meal.
Michael Logan has been TV Guide's daytime television reporter for 25 years this fall, and he came to Brandon's Buzz to reminisce about his quarter-century tenure at the magazine and to dish about some of his memorable interviews.
Host Barry Moltz gets small businesses unstuck. He has founded and run small businesses with a great deal of success and failure for more than 15 years. This is a business radio show where he shares all the craziness of small business. It’s that craziness that actually makes it exciting, interesting and totally unpredictable.
Official Internet radio show of forthcoming epic paranormal investigation book by Eric Olsen and "Haunted Housewife" Theresa Argie.
It's good to talk.