Financial Education - SafeMoney.com
on 12 August, 2020

identity theft protection guest post

The following guest post has been contributed by Emily Kalan of Crediful. Emily is an experienced blogger that writes about all things finance, including debt, home ownership, loans, and financial identity protection.

Identity theft is far more common than you think - it’s one of those things that you hear about but don’t think it will ever happen to you. And it can be a particularly troubling problem to deal with when you are in retirement.

The reality is that millions of Americans suffer from identity theft every year, and it can leave you feeling targeted, vulnerable, and unsafe.

Thankfully, there are ways you can protect yourself against identity theft without having to spend hundreds of dollars on protective services. Keep reading to find out how!

Looking for identity protection for families? Then head on over to Crediful.com and check out our in-depth post on some of the best identity theft protection services.

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on 26 April, 2019

ready for financial wellness need a guide

Editor's Note: This article is Part 4 of a month-long series on financial illiteracy in America. April marks National Financial Literacy Month, and to help raise Americans' financial awareness, SafeMoney.com is teaming up with the Society for Financial Awareness (SOFA), a leading financial literacy non-profit, to spread the word. You can find Part 3, "Watch Out for These Financial Blunders," and can read here our dynamic interview with Jim Chilton, the CEO and founder of SOFA.

Have you ever seen a documentary on thrill-seekers heading to some far-flung destination?

Scaling Mount Everest. Base-jumping off Europe’s Troll Wall. Biking on the World’s Most Dangerous Road in Bolivia. Traversing the Alps.

Whether one of these treks or someplace else, chances are you will see that they have something in common. Rarely do the thrill-seekers go it alone.

Their expeditions often include some sort of guide. And not just any guide. It’s someone who knows the terrain, understands the challenges, and offers the experience to successfully navigate potential mishaps.

Although they don’t involve thrill-seeking, money matters can operate in the same fashion. Without guidance from an advisor, it’s easy to make choices that lead not to financial wellness but to fiscal misery.

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on 28 July, 2020

5 things to do for your aging parents

Editor's Note: The following article is a retirement guest post that has been authored and contributed by John Freeman.

Watching our parents age can be difficult as they begin to need more assistance with different aspects of their lives. While your parents likely want to maintain as much of their independence as they can, and they should, you should be there to lend a helping hand when they need it.

More than 65 million Americans provide care for an aging, chronically ill, or disabled family member each year. And, since the U.S. has an aging population, with geriatrics outweighing younger demographics, more and more individuals will be taking on this role—many of whom are not adequately prepared.

If you are one of these individuals, or are simply trying to figure out how you can be useful to your parents as they age, there are certain aspects of their lives that you can help them handle to make the transition easier, starting with these 5 things.

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on 24 April, 2019

robert kiyosaki

Recently, Robert Kiyosaki talked about a widespread problem in America: for millions of people, the never-ending struggle with money and financial matters. And why does this challenge continue?

Kiyosaki talks about how he believes the education system is partially responsible. People learn knowledge and skill sets that are conducive to future employment, but almost nothing about good money behaviors and practices. Watch the video below to see more.

on 11 March, 2020

Trump and Biden
Editor's Note: "Trump and Biden" by uwwvmzjh8 is licensed under CC PDM 1.0

“How is politics going to affect my retirement?” It’s a question that is on many retirement savers’ minds, especially as the 2020 election draws closer.

Recently, Global Atlantic Financial Group put out a survey asking people about their thoughts on the presidential election – and what it might mean for market volatility.

Many retirement investors from across the country weighed in. They talked about their expectations for market performance, election effects on their retirement, and what actions they were taking to prepare for any “spillover” from the election.

Here’s a sum-up of what Americans are thinking about the 2020 election, their retirement, and any potential changes to their financial strategy.

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on 17 April, 2019

common financial blunders

By Jim Chilton, CEO and Founder of the Society for Financial Awareness

Editor's Note: This article is Part 3 of a month-long series on financial illiteracy in America. April marks National Financial Literacy Month, and to help raise Americans' financial awareness, SafeMoney.com is teaming up with the Society for Financial Awareness (SOFA), a leading financial literacy non-profit, to spread the word. You can find Part 2, "Want a Comfortable Future Retirement? Start Planning Now," and can read here our dynamic interview with Jim, the CEO and founder of SOFA.

Most of us would agree, as we go through life, we make blunders, mistakes, misjudgments… In short, we all “screw up.” Nothing noteworthy here.

The issue though is, these blunders usually occur from our behavior – the way we are wired. So, when the topic of personal finance, the way we do money, gets discussed, many opinions from many personalities take center stage.

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on 26 November, 2019

questions to ask financial advisor during annual review

As the end of the year approaches, now is an excellent time for you to schedule a meeting with your financial advisor. An annual review of your financial situation is an ideal reason to come together.

Not only can you review the financial progress that you made during the year. Your annual review meeting also provides the opportunity to go over your investment portfolio, insurance coverage, and overall financial plan. It’s a crucial moment to see whether any changes are needed, especially if your circumstances have changed somehow.

Of course, money matters and retirement are a moving target. So, you can also set new goals and update your estate plan if necessary.

All of that being said, if you do have a meeting on the books, you might be unsure of the “ballpark” questions to ask your advisor during your financial review. Below are four questions to help guide your discussion and make the most of your annual review meeting time.

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on 11 April, 2019

our future retirement article

Editor's Note: This article is Part 2 of a month-long series on financial illiteracy in America. April marks National Financial Literacy Month, and to help raise Americans' financial awareness, SafeMoney.com is teaming up with the Society for Financial Awareness (SOFA), a leading financial literacy non-profit, to spread the word. You can read here our dynamic interview with Jim Chilton, the CEO and founder of SOFA.

When venturing into the great unknown, you wouldn’t travel without a GPS or a map.

They are a “must-have” for reaching your destination. And for arriving on time, for that matter! How otherwise could you tell if you were going the right direction or if you were lost?

The same principle applies to our retirement. Whether you retire 10 years or 10 months from now, you need a financial plan.

In many ways, a plan is like a financial roadmap. It lays out clear directions for you to take and helps you keep on track.

Yet most people don’t have a roadmap for their future retirement. Just three percent of Americans have a written financial plan, according to Jim Chilton, founder and CEO of the Society for Financial Awareness.

Overcoming the “Ready-Fire-Aim” Mentality

And what explains the planning gap?

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on 21 November, 2019

financial conversations you should have during the holidays

Ah, the holidays… an annual time of food, fellowship, and fun with family, friends, and loved ones. Everyone returns home and catches up on all of the family happenings over the past year.

But the holidays can also be stressful and fast-paced, as people have cookies to bake, presents to wrap, and shopping to do. Not only that, they may have various other year-end projects at home or at work. Those who have lost loved ones or who hurt in other ways might also find these times unbearable, since the holiday season tends to be an emotional period.

Even so, it’s still an ideal time for families to get together and discuss their financial concerns with their loved ones.

Why? Because people usually aren't as preoccupied by work and day-to-day matters at this time of year. The holiday festivities may be one of the few times when everyone is together. There are also many decisions that must be made before the year ends.

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on 04 April, 2019

why financial literacy is important

The struggle for financial wellness is real. Four in 10 Americans can’t cover a $400 emergency expense, according to a report by the Federal Reserve Board.

And that is just one sign of the financial strain plaguing America.

Credit card debt is at its highest level in a decade. People are behind on retirement savings. Student loan debt has hit a new record, and Americans continually rate financial stress as one of their top concerns.

April is National Financial Literacy Month, which spotlights a driving factor behind the fiscal heartburn – financial illiteracy – and aims to solve it by raising people’s financial awareness.

To discuss how to tackle the devastating effects of the U.S. financial literacy crisis, we asked for insights from Jim Chilton, founder and CEO of the Society for Financial Awareness (SOFA).  

SOFA is a national non-profit, which Chilton started in 1993, with the mission of ending financial illiteracy across America.

Below is a sum-up of the conversation, which covers why financial literacy is important, how people struggle with money matters, and ways to solve the problem.

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