Tehachapi's Online Community News & Entertainment Guide
Tehachapi's Online Community News & Entertainment Guide
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This article was written by Edward Jones for use by your local Edward Jones Financial Adviser. To achieve any of your financial objectives, you need to save and invest – that much is clear. But just how you save and invest may differ from goal to goal. Let's look at two common goals to see the differences in your savings and investment strategies. The first goal we'll consider is a dream vacation – one lasting a couple of weeks or more, possibly to an exotic locale. So, for the investments you...
This article was written by Edward Jones for use by your local Edward Jones Financial Advisor. If you work for a business that offers a 401(k) plan, consider yourself fortunate, because a 401(k), with its tax advantages and variety of investment options, is a great way to save for retirement. But what if you need to tap into your plan before you retire? Is it a good idea to borrow from your 401(k)? To begin with, you need to determine if a loan is even available. You can only borrow from your...
This article was written by Edward Jones for use by your local Edward Jones Financial Advisor. If you were to receive a sizable inheritance, what should you do with it? This money could help you achieve some of your important financial goals – so you'll want to think carefully about your choices. Of course, everyone's needs are different, so there's no one "right" way to handle a large lump sum. But here are a few suggestions that may be useful: Pay off some debts. Depending on the size of y...
This article was written by Edward Jones for use by your local Edward Jones Financial Advisor. For many years, employees of companies that offered 401(k) plans only faced a couple of key decisions – how much to contribute and how to allocate their dollars among the various investment options in their plan. But in recent years, a third choice has emerged: the traditional versus Roth 401(k). Which is right for you? To begin with, you need to understand the key difference between the two types o...
This article was written by Edward Jones for use by your local Edward Jones Financial Advisor. As the year winds down, you may want to look ahead to see which areas of your life you can improve in 2019. Perhaps you'll decide to exercise more, eat healthier foods, reconnect with old friends or volunteer at a school or charitable organization. All these goals are certainly worthwhile – but you also may want to add some New Year's financial resolutions to your list. Here are a few ideas to c...
This article was written by Edward Jones for use by your local Edward Jones Financial Advisor. To raise awareness about the importance of saving for retirement, Congress has dedicated Oct. 21-27 as National Retirement Security Week. And the evidence shows that increasing this awareness is indeed important. Consider this: Some 50 percent of households are considered at risk of not having enough money to maintain their living standards in retirement, according to the National Retirement Risk...
This article was written by Edward Jones for use by your local Edward Jones Financial Advisor. May 29 (5/29) is National 529 College Savings Plan Day. If you are not familiar with 529 plans, you are not alone – although these plans have been around since 1996, many people are still unaware of their existence. And that's unfortunate, because a 529 savings plan can be a valuable tool for anyone wanting to help a child, grandchild, friend or other family member save for education. Here are some o...
This article was written by Edward Jones for use by your local Edward Jones Financial Advisor. By most measures, 2017 was a pretty good year for investors. But what can you expect in 2018? It's difficult to precisely predict the immediate future of the financial markets. However, many signs point to improved global economic growth and rising corporate earnings – both of which are important drivers of stock prices. In the United States, economic growth may be more modest than in other regions, w...
This article was written by Edward Jones for use by your local Edward Jones Financial Advisor. With the arrival of the New Year, many of us will pause and ponder the age-old question: "Who knows where the time goes?" And, as is always the case, none of us really do know. However, wherever the time goes, it will usually be a key factor in your success as an investor. Time can affect how you invest, and the results of your investing, in different ways: Growth potential – Contrary to myth, t...
This article was written by Edward Jones for use by your local Edward Jones Financial Advisor. As the year draws to a close, it's a good time to review your progress toward your financial goals. But on what areas should you focus your attention? Of course, you may immediately think about whether your investments have done well. When evaluating the performance of their investments for a given year, many people mistakenly think their portfolios should have done just as well as a common market...
This article was written by Edward Jones for use by your local Edward Jones Financial Advisor. You may spend decades contributing to your IRA and 401(k). But, eventually, you'll need to use this money. Before that day arrives, you'll want to be familiar with the rules governing withdrawals – and you'll want to know just how much you should take out. To begin with, withdrawals from traditional employer-sponsored retirement plans like these fall under the Internal Revenue Service's "required m...
This article was written by Edward Jones for use by your local Edward Jones Financial Advisor. You may spend decades contributing to your IRA and 401(k). But, eventually, you'll need to use this money. Before that day arrives, you'll want to be familiar with the rules governing withdrawals – and you'll want to know just how much you should take out. To begin with, withdrawals from traditional employer-sponsored retirement plans like these fall under the Internal Revenue Service's "required m...
This article was written by Edward Jones for use by your local Edward Jones Financial Advisor. Mother's Day and Father's Day may get more attention, but National Grandparents Day, observed on Sept. 10, has gained in popularity. If you're a grandparent, you might expect to receive some nice cards, but if you want to make the day especially meaningful, you may want to consider giving some long-lasting financial gifts to your grandchildren. What might come to mind first, of course, is helping your...
This article was written by Edward Jones for use by your local Edward Jones Financial Advisor. Mother's Day and Father's Day may get more attention, but National Grandparents Day, observed on Sept. 10, has gained in popularity. If you're a grandparent, you might expect to receive some nice cards, but if you want to make the day especially meaningful, you may want to consider giving some long-lasting financial gifts to your grandchildren. What might come to mind first, of course, is helping your...
This article was written by Edward Jones for use by your local Edward Jones Financial Advisor. Unless you live near an amusement park that does a lot of advertising, you probably didn’t know that Aug. 16 is National Roller Coaster Day. Actual roller coasters provide people with thrills. But as an investor, how can you stay calm on the “roller coaster” of the financial markets? Here are some suggestions: Know what’s in front of you. If you’ve ever ridden a roller coaster in the dark, you may f...
This article was written by Edward Jones for use by your local Edward Jones Financial Advisor. We’re getting close to the Fourth of July, when we celebrate the freedoms we enjoy in this country. The U.S. Constitution grants us many of these liberties, but we have to earn others – such as our financial freedom. What steps can you take to achieve the financial independence you need to reach your long-term goals? For starters, always work to build your resources. Contribute as much as you can aff...
This article was written by Edward Jones for use by your local Edward Jones Financial Advisor. If you’re a certain age, or getting close to it, you might hear something like this: “Now that you’re older, you need to invest more conservatively.” But what exactly does this mean? For starters, it’s useful to understand that your investment preferences and needs will indeed change over time. When you’re first starting out in your career, and even for a long time afterward, you can afford to i...
This article was written by Edward Jones for use by your local Edward Jones Financial Advisor. If you’re a certain age, or getting close to it, you might hear something like this: “Now that you’re older, you need to invest more conservatively.” But what exactly does this mean? For starters, it’s useful to understand that your investment preferences and needs will indeed change over time. When you’re first starting out in your career, and even for a long time afterward, you can afford to i...
This article was written by Edward Jones for use by your local Edward Jones Financial Advisor. It's Graduation Season again. If your child is graduating from high school or college, you have reason to celebrate. But what should you give to your newly minted diploma holder? You might want to consider offering a combination of financial gifts and tips, which, taken together, could set your graduate on a path toward a successful, independent life. What sort of gifts and tips should you consider?...
This article was written by Edward Jones for use by your local Edward Jones Financial Advisor. It’s tax time again – which for many Americans means that a tax refund is on its way. If you’re going to get a refund this year, how can you use the money to your best advantage? Of course, it’s always tempting to spend the check from Uncle Sam on something fun. But a tax refund could be sizable – the average amount in 2016 was $2,857, according to the IRS – so putting this money to work could help...
This article was written by Edward Jones for use by your local Edward Jones Financial Advisor. In your life, you will want to take many journeys. Some are physical – perhaps you’ll finally visit the French Riviera or the Caribbean. Others involve personal growth – one day, you’ll finally become fluent in that foreign language you’ve been studying. But of all the destinations you can identify, few will be as important as retirement – specifically, a comfortable retirement. And that’s why...
This article was written by Edward Jones for use by your local Edward Jones Financial Advisor. We’re just about ready to open the door to 2017, so you might be thinking about some New Year’s resolutions. What’s on your list this year? More visits to the gym? Learning a new language? Mastering the perfect beef bourguignon? All worthy ambitions, of course, but why not also include some financial resolutions? By reviewing your needs and goals, you can identify some resolutions that are parti...
This article was written by Edward Jones for use by your local Edward Jones Financial Advisor. During your working years, you are (hopefully) putting money into your IRA and your 401(k) or similar employer-sponsored retirement plan. But once you’ve retired, how can you maximize the benefits you get from these plans? First of all, you need to be aware of the rules governing withdrawals from your retirement plans. If you are older than 59½, you can withdraw money from your traditional IRA wi...
This article was written by Edward Jones for use by your local Edward Jones Financial Advisor Halloween is almost here. When you’re passing out candy, you’ll see many “scary” costumes that will probably just make you smile. But in real life, you can easily find some things that truly are frightening – such as bad investment moves. Here are a few that you’ll want to avoid: Chasing after “hot” stocks – Many so-called “experts” – not to mention your friends, neighbors, relatives and co-worker...
This article was written by Edward Jones for use by your local Edward Jones Financial Advisor The presidential election is little more than a month away. Like all elections, this one has generated considerable interest, and, as a citizen, you may well be following it closely. But as an investor, how much should you be concerned about the outcome? Probably not as much as you might think. Historically, the financial markets have done well – and done poorly – under both Democratic and Rep...
