Unlike many costs in retirement that go down, health care is unfortunately not one of them. Plus, health care costs are expected to grow about 6.5% in the next year, according to the Research Health Institute, making the challenge to meet health care costs in retirement even more challenging. Some attribute the rising health care costs to over-regulation and excessive taxation within the health care industry and specifically among pharmaceutical companies. But whatever the cause, consumers need to be prepared to bear these costs. You may have saved accordingly, but even if you have been working and setting aside retirement […] Read more »

With financial futures more uncertain now than ever before, keeping your family out of debt is becoming a priority for many families. Unfortunately, with rising costs, and diminishing working capital, it’s becoming quite a challenge for many families. These are a few steps you can take that will help you stay on the straight and narrow – financially speaking – so that you can avoid the many pitfalls debt creates. Create a Workable Budget Some people have the idea that budgets are made to be broken. That is simply not the case. A budget is meant to serve as a […] Read more »

There are many different ways to trade forex, making it difficult for traders to find a successful path that works for them. Essential steps towards trading in the currency markets successfully include choosing the right broker and trading strategy that fits the needs of the trader. A good broker will offer no-hassle pricing, making the rate you see the rate you get. It is a good idea for a trader to research the various currency pairs and to become familiar with the financial markets, including the foreign exchange markets, commodity markets, and stock markets. One should become familiar with leading […] Read more »

Small businesses on tight budget usually operate out of small offices, when they have offices at all. For good and ill, this can make for a familial environment in which everyone sees the business’s tight budget. That budget often makes itself known in an office’s design and furnishings, but here’s the thing: an unattractive, unkempt office eventually becomes a drag on employee productivity and morale. The good news is that you can affordably remake a space over the course of a couple of weekends. Follow smart design practices and shop carefully for furniture and other supplies, and even on a […] Read more »

Online forex trading is a great way to increase monthly cash flow. The reason it’s so great is because practically anyone can trade successfully online. Here are 5 tips to help you take on the trading markets like a pro. Tip #1 – Practice Makes Perfect Before risking any real money, it’s best to make yourself familiar with the concept of online trading and of course, the trading platform your broker offers. Reputable brokers usually offer demo and practice modes for new traders. This gives you a hands-on experience, letting you simulate actual trading conditions, without risking any money. #2 […] Read more »

Your credit score is an important part of your identity and it can potentially determine how smoothly your finances will run. The credit score can make it easy or difficult for you to obtain new loans and credit cards by showing lenders whether you are a low-risk, moderate-risk, or high-risk borrower. Lenders will usually bend over to lend you money if you are a low-risk borrower but you’ll be faced with oppressive interest rates and tough repayment plans if you are a high-risk borrower with a tendency to default. Nonetheless, a credit score is not a permanent score and you […] Read more »