The essence of saving and the different ways to save


Savings is a topic that many of us believe we have a handle on what it is.  Whether you are a young Millennial or an older Baby Boomer—about to retire—it is vital to save as much as you can so you will have the money you will need when you retire.

Whether you want to retire at 30 or 65, savings is critical toward your financial success. Talk to anyone over 50, and they will tell just how quickly 50 snuck up on them. So how do you save?  How many ways can you save? Michael Haldane, writing for  Moneyweb, lists different ways to save. While the focus is on the Rand and South Africa—many of the concepts are quite applicable in the US.


No matter how young you are, where you come from or how small your savings could be, let the principle of saving be an embedded lifestyle. Image: Shutterstock Saving is an essential concept that spans the centuries. The Agrarian revolution of the 18th and early 19th centuries come to mind, where farmers used to save surplus produce for future use. In modern times there are industrialised saving methods via several investment products. The ideology […]

J.Crew is discounting full-price and new styles this weekend


You can still look fashionable and save for your retirement.  A financial plan isn’t always about what 401K plan or IRA you invest in—it can also mean being frugal.

Save 35% on full-price styles from J.Crew with the code “WEARNOW”

J.C Crew to discount it line of clothing this weekend … Check it out!!

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This sale is not to be missed if you like saving money on high quality, fashionable clothing. (Photo: J.Crew) — Our editors review and recommend products to help you buy the stuff you need. If you make a purchase by clicking one of our links, we may earn a small share of the revenue. However, our picks and opinions are independent from USA Today’s newsroom and any business incentives. It took me far too […]

Patients could save by paying in cash instead of using insurance


We’re fast approaching November 1, 2019, and that opens the season for your health care open enrollment. If you are planning to make changes to your coverage, now is the time to start planning.  If you are paying for your own insurance, then you will need to contact your carrier directly.

Health says that starting November 1, you can log into, fill out an application, and enroll in a 2020 Marketplace health plan. Enroll by December 15, 2019, and coverage starts January 1, 2020. 2020 plans and prices will be available to preview shortly before November 1.

The following article tells you how you can save money on your insurance. You don’t always have to pay for your coverage with your insurance plan.

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Raleigh, N.C. — Most people wouldn’t consider seeing a doctor without using health insurance if they have it. But with the increasing number of people in high-deductible health plans, some providers offer discounts — sometimes deep discounts — to those who pay out-of-pocket. Consumer Reports found some people can actually save money by leaving their insurance card in their wallet. It’s a practice more common for diagnostic procedures like X-rays, CT scans and ultrasounds. […]

If you are a small business owner … this podcast will help you navigate your health insurance landscape for you and your employees.


Why you should start saving for the holiday season now



Have you been to Costco lately? How about Walmart?  It used to be that Christmas trees and decorative items wouldn’t appear on the sales floor until after Thanksgiving with the landmark event—”Black Friday!”

But—I am now seeing Christmas decorations showing up everywhere, and I’m reminded that I need to start my Christmas list—just what the big box stores want!  Have you started to save for Christmas?  Or Hanukkah?

While we are at it, it’s probably a good time to start budgeting for all the holidays beginning with Thanksgiving. In this article, you are given some excellent tips on to save for the holidays. One can never stop thinking about how to continue to build the discipline of savings as part of financial planing and saving for your retirement—even during the holidays.

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Skip to main content Buzz60’s TC Newman has tips and tricks for saving money – just in time for the holidays! Buzz60 As you put up fall decorations and start selecting Halloween costumes for you and the kids, there’s actually another holiday season you should start thinking about – the one that arrives in December. For many people, December is an expensive month because of Christmas or Hanukkah gifts and because of the costs […]


How to save enough for a pension if you’re self-employed


ThinkAdvisor says that many self employed Americans are not saving enough for their retirement.

“Many freelancers and other self-employed Americans plan to continue working even after they retire — and many of them will have to because they’re not saving nearly enough to live on while retired, according to the findings of a new study recently released by the nonprofit Transamerica Center for Retirement Studies (TCRS).”

Traditional IRA’s OR ROTH IRA – Which Should YOU Choose?

The following article, while in the UK, offers excellent tips to boost your pension pot.

THREE in four self-employed workers think it’s important to save for retirement but half are unsure how they’ll do it. That’s the findings from new research published today by pension provider Nest, which looks at how the nearly 5 million people in self-employment can save for retirement. Half of self-employed workers are unsure how to start saving for a pension Credit: Getty – Contributor It found that one of […]

How much you’ll need in retirement savings by age 30, 40, 50 and beyond


Saving for retirement. Everyone knows they need to do it, but it can be hard to put away all that money when you could be spending it now. You are in a race against time and the later you start, the harder it will be to catch up. To that end, Fidelity has put together a list of benchmarks you need to hit by certain ages if you want live comfortably in retirement. The […]

The Retirement Savings Bomb | Ed Scott The Retirement Savings Time Bomb . . . and How to Defuse It: A Five-Step Action Plan for Protecting Your IRAs, 401(k)s, and Other Retirement Plans from Near Annihilation by the Taxman Paperback – January 3, 2012[/caption]