Tips-23

Nearly half of Americans surveyed (46%) believe future generations of retirees will be “worse off” financially than current American retirees (source: Aegon Center for Longevity and Retirement). If you are worried that a friend or a loved one may not be on the path to being retirement ready, have them reach out to us and let’s get them headed in the right direction.
2018-06-15T12:13:44+00:00
Nearly half of Americans surveyed (46%) believe future generations of retirees will be “worse off” financially than current American retirees (source: Aegon Center for Longevity and Retirement). If you are worried that a friend or a loved one may not be on the path to being retirement ready, have them reach out to us and let’s get them headed in the right direction.

Tips-22

Right now, many people seem hesitant to invest in the stock market. While concerns are understandable, it is important to note that large-cap stocks (commonly known as the S&P 500) have had positive returns for nine straight years, ans S&P small-cap 600 stocks have had positive returns 8 out of the last 9 years.
2018-06-15T12:13:15+00:00
Right now, many people seem hesitant to invest in the stock market. While concerns are understandable, it is important to note that large-cap stocks (commonly known as the S&P 500) have had positive returns for nine straight years, ans S&P small-cap 600 stocks have had positive returns 8 out of the last 9 years.

Tips-21

According to an Employee Benefit Research Institute 2018 Retirement Confidence Survey, only 36% of workers anticipate that their monthly Social Security benefit “will be a major source of income” during retirement. However, 67% of retirees surveyed have determined that their monthly Social Security benefit “is a major source of income” during retirement. This tells us that a majority of people rely on Social Security benefits more than they would like during their retirement.
2018-06-15T12:12:39+00:00
According to an Employee Benefit Research Institute 2018 Retirement Confidence Survey, only 36% of workers anticipate that their monthly Social Security benefit “will be a major source of income” during retirement. However, 67% of retirees surveyed have determined that their monthly Social Security benefit “is a major source of income” during retirement. This tells us that a majority of people rely on Social Security benefits more than they would like during their retirement.

Tips-20

Finding cheaper mobile phone service can be easy nowadays, as many carriers have moved away from contracts. Smaller cell phone companies may run on the same networks as major providers, meaning they offer the same level of coverage at a reduced cost. Paying for a “name” just isn’t worth it, especially when that money can be put to better use elsewhere.
2018-06-15T12:11:18+00:00
Finding cheaper mobile phone service can be easy nowadays, as many carriers have moved away from contracts. Smaller cell phone companies may run on the same networks as major providers, meaning they offer the same level of coverage at a reduced cost. Paying for a “name” just isn’t worth it, especially when that money can be put to better use elsewhere.

Tips-19

For some homeowners, “Mortgage” is the scariest word they can hear. However, it doesn’t have to be that way. According to ATTOM Data Solutions, of the 120 million households in the USA, 77 million are homeowners, and only 34% are mortgage debt-free. This is a common problem. If you are concerned with your mortgage, Gleba & Associates can figure out how to best get you mortgage free as fast as possible.
2018-06-15T12:10:42+00:00
For some homeowners, “Mortgage” is the scariest word they can hear. However, it doesn’t have to be that way. According to ATTOM Data Solutions, of the 120 million households in the USA, 77 million are homeowners, and only 34% are mortgage debt-free. This is a common problem. If you are concerned with your mortgage, Gleba & Associates can figure out how to best get you mortgage free as fast as possible.

Tips-18

A 65 year old couple will need an estimated $280,000 to pay for out-of-pocket health care during their retirement years. This is assuming the couple qualifies for medicare but does not require any nursing home care. For more information about Long Term Care Insurance, schedule a meeting with Matt or Jill to go over the details and what might be best for you.
2018-06-15T12:10:01+00:00
A 65 year old couple will need an estimated $280,000 to pay for out-of-pocket health care during their retirement years. This is assuming the couple qualifies for medicare but does not require any nursing home care. For more information about Long Term Care Insurance, schedule a meeting with Matt or Jill to go over the details and what might be best for you.

Tips-17

According to a National Compensation Survey for 2017, only 23% of American workers have a defined benefit pension plan. With pension plans becoming a thing of the past, it’s more important than ever to have your own retirement strategy.
2018-06-15T12:09:02+00:00
According to a National Compensation Survey for 2017, only 23% of American workers have a defined benefit pension plan. With pension plans becoming a thing of the past, it’s more important than ever to have your own retirement strategy.

Tips-16

According to a Principal Survey, 65% of American workers believe they will not accumulate enough savings to “meet their retirement needs” by the age of 65% If you are one of these people, give us a call and we can figure out how to grow your nest egg and get you retirement ready in time.
2018-06-15T12:08:18+00:00
According to a Principal Survey, 65% of American workers believe they will not accumulate enough savings to “meet their retirement needs” by the age of 65% If you are one of these people, give us a call and we can figure out how to grow your nest egg and get you retirement ready in time.

Tips-15

If you carry a balance on your credit cards, you could be spending hundreds, if not thousands, on interest charges each year. Fortunately, many cards offer introductory rates that can lower interest or even bring it down to zero temporarily if you transfer a balance. Just check for balance transfer fees first to make sure the savings are worth any cost, and be wary of potential pitfalls. Once a balance is transferred, discontinue the old card to avoid adding to your debt. Also, keep in mind that new credit inquires can negatively affect your credit score.
2018-06-15T12:05:20+00:00
If you carry a balance on your credit cards, you could be spending hundreds, if not thousands, on interest charges each year. Fortunately, many cards offer introductory rates that can lower interest or even bring it down to zero temporarily if you transfer a balance. Just check for balance transfer fees first to make sure the savings are worth any cost, and be wary of potential pitfalls. Once a balance is transferred, discontinue the old card to avoid adding to your debt. Also, keep in mind that new credit inquires can negatively affect your credit score.

Tip-14

Aim to save money this year by doing preventative home maintenance. Changing air filters, patching leaks, and having your air/heating systems inspected all go a long way in preventing major home disasters. This upkeep will help you save money throughout the year.
2018-04-12T05:32:46+00:00
Aim to save money this year by doing preventative home maintenance. Changing air filters, patching leaks, and having your air/heating systems inspected all go a long way in preventing major home disasters. This upkeep will help you save money throughout the year.

Tips-13

The insurance market is competitive, which means it's a good idea to check quotes. Even if you haven't had any claims, your rates could be affected by events happening elsewhere. A company that heavily insured an area hit by a natural disaster may be raising rates while other insurers are holding steady. While you can do some initial comparison shopping for insurance quotes online, be prepared to spend some time on the phone talking to agents as well. Don't forget to ask if there is a discount for bundling your home, car and life insurance.
2018-04-12T05:32:10+00:00
The insurance market is competitive, which means it's a good idea to check quotes. Even if you haven't had any claims, your rates could be affected by events happening elsewhere. A company that heavily insured an area hit by a natural disaster may be raising rates while other insurers are holding steady. While you can do some initial comparison shopping for insurance quotes online, be prepared to spend some time on the phone talking to agents as well. Don't forget to ask if there is a discount for bundling your home, car and life insurance.

Tips-12

Cut back on bad money habits. Bad financial habits can be hard to break. Eating out too often, paying full price on clothing, and splurging on your pets are just some of the common ways people blow a lot of money. Get a friend or significant other to support you and help keep you in check the next time you want to buy Fido a $30 toy.
2018-04-12T05:31:52+00:00
Cut back on bad money habits. Bad financial habits can be hard to break. Eating out too often, paying full price on clothing, and splurging on your pets are just some of the common ways people blow a lot of money. Get a friend or significant other to support you and help keep you in check the next time you want to buy Fido a $30 toy.

Tips-11

Fast-track your debt payoff goals. “I’m going to repay all my debt this year!” While that is a great goal to have, it is pretty ambitious. Instead, commit to fast-tracking the payoff process. Putting an extra $50 per month toward debt could make a huge difference. Most online repayment interfaces will allow you to automate the extra payment, so you don’t have to remember to do it every month, it’ll happen automatically for the whole year.
2018-04-12T05:31:07+00:00
Fast-track your debt payoff goals. “I’m going to repay all my debt this year!” While that is a great goal to have, it is pretty ambitious. Instead, commit to fast-tracking the payoff process. Putting an extra $50 per month toward debt could make a huge difference. Most online repayment interfaces will allow you to automate the extra payment, so you don’t have to remember to do it every month, it’ll happen automatically for the whole year.

tips-10

One third of Americans make a money resolution this year, but how many actually keep it? About 50% of people want to save more, and 28% want to pay down debt. Gleba & Associates can help keep your 2018 resolution!
2018-01-18T03:56:47+00:00
One third of Americans make a money resolution this year, but how many actually keep it? About 50% of people want to save more, and 28% want to pay down debt. Gleba & Associates can help keep your 2018 resolution!

tips-9

Surround yourself with people who are smarter, wiser and more experienced than you. You’ll pick up on their habits, knowledge, and abilities. Their influence will make you smarter and savvier along the way.
2018-01-04T07:46:13+00:00
Surround yourself with people who are smarter, wiser and more experienced than you. You’ll pick up on their habits, knowledge, and abilities. Their influence will make you smarter and savvier along the way.

tips-8

An early start to investing can make a huge difference in the success of your retirement. This is because of compounding. If a person puts away $100 every month from the age of 25 to 35, when retirement time comes, compounded interest will make that investment be worth $98,697. If that same person waits 10 years, and then decides to save $100 every month from 35 to 45, their compounded interest would only be worth $54,849 come retirement time.
2018-01-04T07:45:36+00:00
An early start to investing can make a huge difference in the success of your retirement. This is because of compounding. If a person puts away $100 every month from the age of 25 to 35, when retirement time comes, compounded interest will make that investment be worth $98,697. If that same person waits 10 years, and then decides to save $100 every month from 35 to 45, their compounded interest would only be worth $54,849 come retirement time.

tips-6

Hungry for some savings? Join a restaurant loyalty club, birthday and anniversary clubs, and buy discounted restaurant gift cards online. Also, don’t forget to check online for coupons to your favorite restaurants. You can have your cake and eat it too!
2018-01-04T07:45:12+00:00
Hungry for some savings? Join a restaurant loyalty club, birthday and anniversary clubs, and buy discounted restaurant gift cards online. Also, don’t forget to check online for coupons to your favorite restaurants. You can have your cake and eat it too!

tips-5

If you can afford to do it, postpone when you start collecting Social Security. If you delay by just four years past your Full Retirement Age (FRA), you could end up taking home 32% more every month. However, you may need to rely on your portfolio to provide the income needed until your delayed benefits are received.
2018-01-04T07:44:45+00:00
If you can afford to do it, postpone when you start collecting Social Security. If you delay by just four years past your Full Retirement Age (FRA), you could end up taking home 32% more every month. However, you may need to rely on your portfolio to provide the income needed until your delayed benefits are received.

tips-4

Is your 401(k) where you want it to be? Whether you’ve laid off the gas or pushed the pedal to the metal, the new year is just around the corner and now is the time to max out your savings. You can contribute to $18,000 toward your retirement plan before the end of the year.
2018-01-04T07:43:39+00:00
Is your 401(k) where you want it to be? Whether you’ve laid off the gas or pushed the pedal to the metal, the new year is just around the corner and now is the time to max out your savings. You can contribute to $18,000 toward your retirement plan before the end of the year.

tips-3

What your credit score means:

Your credit score give lenders an idea of how risky of an investment you are. Do you pay your bills on time or do you have a lot of outstanding debt that you’re not paying off? Your three-digit number comes from your credit report and is calculated using 5 categories:
1) Payment history (35%)
2) Amounts owed (30%)
3) Length of credit history (15%)
4) Types of credit history (15%)
5) New credit (10%)
2018-01-04T07:42:34+00:00
What your credit score means: Your credit score give lenders an idea of how risky of an investment you are. Do you pay your bills on time or do you have a lot of outstanding debt that you’re not paying off? Your three-digit number comes from your credit report and is calculated using 5 categories: 1) Payment history (35%) 2) Amounts owed (30%) 3) Length of credit history (15%) 4) Types of credit history (15%) 5) New credit (10%)

Disclaimer: Past performance is no guarantee of future results. All investing involves risk. Depending on the types of investments, there may be varying degrees of risk. Investors should be prepared to bear loss, including total loss of principal.