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What to Do With with a Sudden Windfall

Submitted by LHD Retirement on September 9th, 2022

While winning the lottery is well outside mainstream reality for most people, it’s not uncommon to suddenly receive a large inheritance, a settlement, or perhaps a stroke of good luck. There are several stories of the major failings of people who’ve come into money only to see it disappear.

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Finance Lessons for Your Teen

Submitted by LHD Retirement on August 12th, 2022

If you’ve had to reconsider or drastically change your spending and saving habits because of the current economic environment, you’re not alone. But there may be an opportunity in this current market to teach good financial habits to your teenagers; ones that they can carry into adulthood.

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Preparing for Lifetime Income in Retirement

Submitted by LHD Retirement on August 5th, 2022

There was a time when old retirement planning models like “the 70 percent rule” were more common. This rule stated that a retiree only needed 70% of their pre-retirement income to live comfortably in retirement. These “rules” may have worked for some retirees several decades ago but can be dangerously flawed in today’s new normal retirement.

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Understanding Your True Risk Tolerance

Submitted by LHD Retirement on July 26th, 2022

The recent stock market volatility, the bear market, the ever-growing inflation rate, and ongoing supply issues have taken a severe toll on the American psyche. For some, it has forever altered how they perceive and manage risk.
Understanding your risk tolerance is considered one of the most important elements of investing.

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Should You Prioritize Retirement Savings over College Savings?

Submitted by LHD Retirement on June 8th, 2022

As a young parent looking to the future, you may be faced with a daunting choice: do you save earnestly to secure your retirement, or save to fund your children’s education? 

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Have a Long Term goal? Financial Planning can Help You get you there

Submitted by LHD Retirement on May 11th, 2022

After several years of wallowing in financial upheaval caused by a severe recession and financial crisis, Americans are, once again, looking to the future. A renewed confidence has many people setting their sights on long term goals that, just a few years ago, may have seemed out of reach.

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The New Normal Retirement

Submitted by LHD Retirement on April 22nd, 2022

It’s believed that retirement planning as we currently know it didn’t really exist until a few decades ago. Up to that point, people worked until 65 and then sailed into retirement on a pension plan.

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The New Normal Retirement

Submitted by LHD Retirement on April 12th, 2022

It’s believed that retirement planning as we currently know it didn’t really exist until a few decades ago. Up to that point, people worked until 65 and then sailed into retirement on a pension plan.

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Credit Cards versus Debit Cards

Submitted by LHD Retirement on March 16th, 2022

Most consumers typically have both a credit card and a debit card. Of course, the biggest difference between the two is that a debit card will immediately take money out of your bank account when used, unlike a credit card, which will pay for the purchase and later add the amount of the transaction to your monthly statement.

But are there any other differences between the two?

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Beyond just an Allowance: How to Engage your Young Kids in Learning about Money from a Young Age

Submitted by LHD Retirement on March 9th, 2022

Think back to those early days in life when it seemed like everything in the candy aisle was free if you begged your parents hard enough. Not a fleeting thought was given to the expenses of a vacation or the copay costs at the doctor. There’s something beautifully unburdened in the way which children experience the world: recklessly present and innocently ambivalent.

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