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November 2012
Oxnard, California
Inside This Issue…
How To Invest As You Age…Page 1
3 Easy Steps To Relieve Computer
Pain…Page 2
Do You Make These Mistakes When
Bargaining?...Page 3
4 Quick Tricks To Make Household
Chores Easier…Page 3
Beat This Trivia Question and You
Could Win $75 Gift Certificate for
The Italian Job Restaurant...Page 4
How Can I Stage My Home So It Sells
Quickly For A Price I Want?…Page 4
How To Invest As You Age
Financial investments should change as you move through the stages of
your life. Consider these strategies to make better use of your hard-earned
money.
During your 30s and 40s:
These are years of increasing income and
increasing demands for your money, particularly providing for your children.
Life insurance
is relatively inexpensive at this stage of your life. Buying
a policy also is a way of providing for your family’s future.
529 plans
offer tax-advantaged savings for your children’s education. For
details, which vary by state, go to
www.savingforcollege.com
.
Annuities
can be a good addition to an IRA or 401k retirement account,
and usually have tax-deferred options and guaranteed life income.
During your 50s:
Prepare for a well-funded retirement during these years.
Remove all risks from your retirement plan
.
Think about a retirement
date and your ability to meet that date. Reduce investments in such things
as your employer’s company.
Take advantage of slowing expenses.
You are at the top of your earning
power, and big expenses, like children living at home, are likely reduced.
Consider paying off your mortgage or increasing your investments.
During your 60s and beyond:
This is a time to enjoy the fruits of your labor.
Test living on projected income before stopping work.
If your
expected retirement income will be 70 percent of your current paycheck,
set aside 30 percent now and see what it’s like to live on the rest.
Apply for Social Security and Medicare.
Visit these sites to help you
make important decisions about these programs:
www.socialsecurity.gov
and
www.medicare.gov
.