Interest rates are low. Wages are heading up. There may be no better time to buy a house. So just why is it so darn difficult? “It’s a good time to buy a house in theory,” says Svenja Gudell, chief economist at Zillow, a real estate listing website. “But practically, it’s very hard actually getting there.” […]
“Americans have managed to amass nearly $14 trillion in retirement savings — but most don’t have a clue how to spend it. Most of those who have accumulated a nest egg are desperate for advice on how to convert it into income that can last a lifetime. A large majority of people 60 to 75 with […]
Hey, millennials. Investment expert William Bernstein has some good advice for you. Life in the financial world is going to get a lot rougher. So wise up. But here’s the good news. If you can do just five things right, you can survive and even thrive in tomorrow’s challenging landscape. It’s really not that difficult, Bernstein says. […]
He’s middle-aged and between jobs. Hard to say if he’ll land a permanent gig at his age. He does have some income, but it’s reported on 1099s, which makes it historically unreliable and difficult to verify. Would you lend him over $600,000 to refinance his house? Apparently not, since Ben Bernanke, former Chairman of the […]
Last Sunday, September 7, was National Grandparents Day, and they certainly deserve a collective cheer for all they do to help raise the new generation in today’s very challenging financial environment. Grandparents are helping out like never before. My neighbor, who retired a few years ago, now babysits her two grandchildren during the week so their mother, […]
Did you know that the average American spends only 5 years in a job before moving on? And the typical Millennial (in their 20s and 30s) expects to stay in a job for less than three years, meaning they might have 10–20 jobs over the course of their working career! This is hardly a new development according to […]
Posted on the web: “If life is a journey, how will you get there if you don’t have an itinerary?” Time and time again, we’ve seen research confirming that having a plan makes it much more likely that you’ll reach your financial goals. Previous studies found that investors who have a financial plan accumulate three times the amount of […]
“If you start saving about 10% when you start working, everything magically takes care of itself.” Mass Mutual CEO Roger Crandall, as interviewed in Fortune Magazine, April 29, 2013 Don’t forget that you control your retirement future by contributing to your investment and retirement accounts.
Hard to believe, but many Gen Xers have already turned forty. Gen Xers are known as the “baby bust” generation, sandwiched in between the older Boomers and the younger Millennials. Less numerous than Baby Boomers, Gen Xers total around 48 million. They were born between 1965 (Robert Downey Jr.) and 1976 (Ryan Reynolds), which now puts […]
“The secret to living within your means after retirement is living within your means before retirement.”
About Mari Adam, CFP®
Mari Adam, Certified Financial Planner™ and President of Adam Financial Associates Inc, has been helping individuals and families chart their financial futures for twenty years! Mari has appeared in publications such as Business Week, CBS MarketWatch, Wall Street Journal, Kiplinger’s, Newsweek, and Money Magazine!
Have A Financial Question?
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