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| Steps to Take if You Lose Your Job |
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For years, colleges have been telling graduates that it’s not “if” you lose your job but “when.” These days, amidst one of the biggest financial meltdowns of our lifetime, massive corporate layoffs have become everyday news. If you’ve lost your job or you expect to lose it soon, there are some steps you should take to minimize the financial fall-out while you search for a new job:
Stop spending. Cut out everything you don’t need—new car, appliances, clothing, and dining out. If you were planning an exotic vacation, you should cancel that. You may still want to get away on a family vacation, but make it a cheap one, like a visit to relatives you haven’t seen in awhile.
File for unemployment benefits immediately. Benefits may take several weeks to begin, so the earlier you apply the earlier you’ll start receiving an unemployment check. Even if you receive a severance package from your company, there’s a good chance you’ll still be eligible for unemployment... MORE
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| CLICK HERE to get your free copy of our 24-page retirement booklet, “Planning for Retirement – Strategies for Your Life, Your Finances, and Your Future”. In this booklet, you’ll learn more about strategies and options for your future. |
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CLICK HERE for your FREE Financial Review. Because we place such a high priority on mutual trust in our client relationships, we offer this free analysis to help us both decide if we are a good fit. |
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Financial Planning:
Nearing Retirement? Financial Advice Is Critical
Retirement planning has become more challenging in recent years. Aside from current market uncertainties, there are other more constant issues to consider, such as inflation and... MORE |
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Tax Planning:
The Alternative Minimum Tax – Not Just for the Wealthy
When first introduced in 1969, the Alternative Minimum Tax (AMT) was widely acknowledged to be a "rich man’s tax" — a fallback tax for those wily taxpayers with big incomes and numerous... MORE |
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Home & Mortgage Tips:
Foreclosed Properties
With the housing market in what seems to be a freefall, is this a time to zero in on the foreclosure market – either as an investment opportunity or as a new, upgraded or downsized... MORE
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Insurance Insights:
Considerations for Beneficiaries
Something we often observe among client couples who are nearing retirement, or those who are already enjoying retirement, is that a significant portion of the couples’ qualified assets... MORE |
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Investment Management Updates:
Avoid Investment Paralysis!
There are always reasons not to invest, just as there are always reasons to invest. The challenge is that the majority of us have an incredible fear of making mistakes, so we take the easy... MORE
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Thoughts from Bruce Helmer:
Financial Fundamentals
Your options for what to do with your money seem as boundless as the prairie sky I grew up under. But in truth your options are limited, because you can really do only five things with money... MORE |
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Sudoku Puzzle:
When you play sudoku you qualify to win a FREE $25 Gift Card for any participating T.G.I. Friday’s restaurant. This month's puzzle... MORE |
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Upcoming Events:
As most of you know, one of our main goals is to educate our clients and our community. We look forward to seeing you at an upcoming seminar... MORE |
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Minnesota: Blaine, Brainerd, Burnsville, Chaska, Edina, Mankato, Oakdale, Plymouth, Rochester, St. Cloud, and Vadnais Heights
Iowa: West Des Moines – North Dakota: Fargo |
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