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Looking for Income? Consider Premium Bonds

Issue: April 2011 by .

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As an investor, you want your money to grow so that you can achieve your important goals, such as a comfortable retirement or college for your children. But you may also invest to increase your cash flow. In fact, without a strong cash flow, you may be forced to dip into your growth-oriented investments to pay [...]

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Are Your Investments Getting Enough Exercise?

Issue: March 2011 by .

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Now that spring is here, you may find it easier to get outside to run, bike or take part in other physical pursuits that you enjoy. As you know, the more active you are, the more efficiently your body will work. And the same can hold true for your investments: The more exercise they get, [...]

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Go Beyond Employer’s Life and Disability Policies

Issue: February 2011 by .

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If you work for an employer who offers a benefits package that includes life insurance and disability income insurance, consider yourself fortunate. But you can’t necessarily consider yourself fully protected. And if you don’t have appropriate life and disability insurance, your long-term financial goals could be at risk. Life Insurance: How Much Is Enough? The [...]

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How to Choose a Financial Professional

Issue: January 2011 by .

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As you navigate the financial world, you’ll most likely deal with a wide array of investment choices, constantly changing tax laws, estate-planning issues and other areas. And then, to make things even more complex, you’ll have to consider your own risk tolerance, time horizon and individual goals. If you’re like most people, you don’t have [...]

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Still Time for Year-End Investment Moves

Issue: December 2010 by .

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The holiday season is always a hectic time of year, so you’re probably pretty busy. But it is important to take some time now to evaluate year-end financial moves that may be beneficial in preparing for your financial future. Which year-end moves should you consider? You will want to talk to your financial advisor and [...]

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Look Beyond U.S. Borders for Investment Opportunities

Issue: November 2010 by .

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On any given day, you could talk on a Samsung cell phone, watch a Sony television, take a Bayer aspirin and eat a Nestle Crunch Bar. What do all these products have in common? They’re all manufactured by companies based outside the United States. In fact, many of the goods and services you use are [...]

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Avoid These Scary Investment Moves

Issue: October 2010 by .

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If you have young children, or even if you just have some in your neighborhood, you know they will soon acquire large amounts of free candy, obtained by impersonating witches, vampires and other creepy creatures. As an adult, of course, you’re unlikely to encounter too many monsters after Halloween ends. Yet as you go through [...]

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What Should You Do with 401(k) after a Layoff?

Issue: September 2010 by .

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As you’re no doubt aware, the long and deep recession has resulted in the highest unemployment rate in decades, though Lynchburg has faired better than many places. But if you’ve been laid off, or if you fear a layoff may soon be coming, you’re less interested in statistics than in your immediate financial future. How [...]

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Should You Take “Early Retirement”?

Issue: August 2010 by .

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At some time or another, you’ve probably thought about what you’d like to do during your retirement years. But when will those years begin? You may have some idea in mind about your ideal retirement date, but, as that day approaches, you’ll need to ask yourself: “Can I afford to retire?” During these days of [...]

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Answering Five Questions Can Help You Pursue Your Goals

Issue: July 2010 by .

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As you strive to achieve your long-term goals, such as a comfortable retirement, you may at times, feel frustrated over events you can’t influence, such as the up-and-down movements of the financial markets. Yet, there is much you can control once you determine the answers to just five key questions. 1) Where am I today? [...]

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