Tip-29

If you have the means, make sure you are contributing the MAXIMUM allowed on your retirement plans. Do not wait!! If you can't contribute the maximum, resolve to increase your savings by 1% (we bet you won't even miss the money!)
Gleba & Associates
2019-01-09T10:41:14+00:00
If you have the means, make sure you are contributing the MAXIMUM allowed on your retirement plans. Do not wait!! If you can't contribute the maximum, resolve to increase your savings by 1% (we bet you won't even miss the money!)

Tip-28

According to an August 2018 survey by Betterment.com, 48% of American adults thought the US stock market had been flat over the last 10 years. Another 18% thought the market had declined over that time. In reality, the stock market has had positive returns in 9 of the last 10 years. It pays to pay attention.
Gleba & Associates
2019-01-09T10:40:46+00:00
According to an August 2018 survey by Betterment.com, 48% of American adults thought the US stock market had been flat over the last 10 years. Another 18% thought the market had declined over that time. In reality, the stock market has had positive returns in 9 of the last 10 years. It pays to pay attention.

Tip-27

Perhaps your company did very well this year and gave you a nice year-end bonus. Maybe grandma was feeling especially generous and left a nice check in your holiday card. Maybe you've just been a prudent saver throughout the year and there's some money burning a hole in your pocket. There are many great ways to use that money, but trust us when we say that buying the hottest new gadget is definitely NOT the smartest option.

While we may feel like we “need” the newest phone or a virtual reality headset, the reality is these kinds of assets rapidly depreciate and you probably are going to end up with “buyer’s remorse” pretty quickly after the appeal of the new technology has worn off. You’re much better off using that money to pay down your mortgage or "invest in yourself" by taking a class or learning a new skill. Your future self will thank you for it!
Gleba & Associates
2019-01-09T10:40:21+00:00
Perhaps your company did very well this year and gave you a nice year-end bonus. Maybe grandma was feeling especially generous and left a nice check in your holiday card. Maybe you've just been a prudent saver throughout the year and there's some money burning a hole in your pocket. There are many great ways to use that money, but trust us when we say that buying the hottest new gadget is definitely NOT the smartest option. While we may feel like we “need” the newest phone or a virtual reality headset, the reality is these kinds of assets rapidly depreciate and you probably are going to end up with “buyer’s remorse” pretty quickly after the appeal of the new technology has worn off. You’re much better off using that money to pay down your mortgage or "invest in yourself" by taking a class or learning a new skill. Your future self will thank you for it!

Tip-26

Check your credit report. If you’ve stopped paying attention to your financial health, request a credit report. There are lots of sites that will allow you to check your credit score for free. Pay attention to the debts you have and dispute any credit dings that look incorrect.
Gleba & Associates
2019-01-09T10:39:40+00:00
Check your credit report. If you’ve stopped paying attention to your financial health, request a credit report. There are lots of sites that will allow you to check your credit score for free. Pay attention to the debts you have and dispute any credit dings that look incorrect.

Tip-25

According to the National Institute on Retirement Security, 59% of “working age” Americans (21-64 y.o.) have not accumulated assets in any retirement account, be it a defined benefit pension plan, IRA, or 401(k). Retirement may seem like a million years away, but it comes faster than you think. Let us help you get started now, so you’re not scrambling in the years to come.
Gleba & Associates
2019-01-09T10:39:16+00:00
According to the National Institute on Retirement Security, 59% of “working age” Americans (21-64 y.o.) have not accumulated assets in any retirement account, be it a defined benefit pension plan, IRA, or 401(k). Retirement may seem like a million years away, but it comes faster than you think. Let us help you get started now, so you’re not scrambling in the years to come.

Tip-24

Even when facing uncertainty, you can never be “too prepared.” On 9/14/18, Hurricane Florence hit North Carolina, causing an estimated $38-50 billion in damages (source: National Hurricane Center, Moody’s Anlytics). For those who didn’t have flood insurance, this kind of event could financially cripple them. While we don’t have to worry too much about hurricanes in Michigan, this still illustrates the need to be prepared for whatever life might throw at you. Gleba & Associates will sit down with you to determine if you have life insurance needs.
Gleba & Associates
2019-01-09T10:38:49+00:00
Even when facing uncertainty, you can never be “too prepared.” On 9/14/18, Hurricane Florence hit North Carolina, causing an estimated $38-50 billion in damages (source: National Hurricane Center, Moody’s Anlytics). For those who didn’t have flood insurance, this kind of event could financially cripple them. While we don’t have to worry too much about hurricanes in Michigan, this still illustrates the need to be prepared for whatever life might throw at you. Gleba & Associates will sit down with you to determine if you have life insurance needs.

Tips-23

Nearly half of Americans surveyed (46%) believe future generations of retirees will be “worse off” financially than current American retirees (source: Aegon Center for Longevity and Retirement). If you are worried that a friend or a loved one may not be on the path to being retirement ready, have them reach out to us and let’s get them headed in the right direction.
Gleba & Associates
2018-06-15T12:13:44+00:00
Nearly half of Americans surveyed (46%) believe future generations of retirees will be “worse off” financially than current American retirees (source: Aegon Center for Longevity and Retirement). If you are worried that a friend or a loved one may not be on the path to being retirement ready, have them reach out to us and let’s get them headed in the right direction.

Tips-22

Right now, many people seem hesitant to invest in the stock market. While concerns are understandable, it is important to note that large-cap stocks (commonly known as the S&P 500) have had positive returns for nine straight years, ans S&P small-cap 600 stocks have had positive returns 8 out of the last 9 years.
Gleba & Associates
2018-06-15T12:13:15+00:00
Right now, many people seem hesitant to invest in the stock market. While concerns are understandable, it is important to note that large-cap stocks (commonly known as the S&P 500) have had positive returns for nine straight years, ans S&P small-cap 600 stocks have had positive returns 8 out of the last 9 years.

Tips-21

According to an Employee Benefit Research Institute 2018 Retirement Confidence Survey, only 36% of workers anticipate that their monthly Social Security benefit “will be a major source of income” during retirement. However, 67% of retirees surveyed have determined that their monthly Social Security benefit “is a major source of income” during retirement. This tells us that a majority of people rely on Social Security benefits more than they would like during their retirement.
Gleba & Associates
2018-06-15T12:12:39+00:00
According to an Employee Benefit Research Institute 2018 Retirement Confidence Survey, only 36% of workers anticipate that their monthly Social Security benefit “will be a major source of income” during retirement. However, 67% of retirees surveyed have determined that their monthly Social Security benefit “is a major source of income” during retirement. This tells us that a majority of people rely on Social Security benefits more than they would like during their retirement.

Tips-20

Finding cheaper mobile phone service can be easy nowadays, as many carriers have moved away from contracts. Smaller cell phone companies may run on the same networks as major providers, meaning they offer the same level of coverage at a reduced cost. Paying for a “name” just isn’t worth it, especially when that money can be put to better use elsewhere.
Gleba & Associates
2018-06-15T12:11:18+00:00
Finding cheaper mobile phone service can be easy nowadays, as many carriers have moved away from contracts. Smaller cell phone companies may run on the same networks as major providers, meaning they offer the same level of coverage at a reduced cost. Paying for a “name” just isn’t worth it, especially when that money can be put to better use elsewhere.

Tips-19

For some homeowners, “Mortgage” is the scariest word they can hear. However, it doesn’t have to be that way. According to ATTOM Data Solutions, of the 120 million households in the USA, 77 million are homeowners, and only 34% are mortgage debt-free. This is a common problem. If you are concerned with your mortgage, Gleba & Associates can figure out how to best get you mortgage free as fast as possible.
Gleba & Associates
2018-06-15T12:10:42+00:00
For some homeowners, “Mortgage” is the scariest word they can hear. However, it doesn’t have to be that way. According to ATTOM Data Solutions, of the 120 million households in the USA, 77 million are homeowners, and only 34% are mortgage debt-free. This is a common problem. If you are concerned with your mortgage, Gleba & Associates can figure out how to best get you mortgage free as fast as possible.

Tips-18

A 65 year old couple will need an estimated $280,000 to pay for out-of-pocket health care during their retirement years. This is assuming the couple qualifies for medicare but does not require any nursing home care. For more information about Long Term Care Insurance, schedule a meeting with Matt or Jill to go over the details and what might be best for you.
Gleba & Associates
2018-06-15T12:10:01+00:00
A 65 year old couple will need an estimated $280,000 to pay for out-of-pocket health care during their retirement years. This is assuming the couple qualifies for medicare but does not require any nursing home care. For more information about Long Term Care Insurance, schedule a meeting with Matt or Jill to go over the details and what might be best for you.

Tips-17

According to a National Compensation Survey for 2017, only 23% of American workers have a defined benefit pension plan. With pension plans becoming a thing of the past, it’s more important than ever to have your own retirement strategy.
Gleba & Associates
2018-06-15T12:09:02+00:00
According to a National Compensation Survey for 2017, only 23% of American workers have a defined benefit pension plan. With pension plans becoming a thing of the past, it’s more important than ever to have your own retirement strategy.

Tips-16

According to a Principal Survey, 65% of American workers believe they will not accumulate enough savings to “meet their retirement needs” by the age of 65% If you are one of these people, give us a call and we can figure out how to grow your nest egg and get you retirement ready in time.
Gleba & Associates
2018-06-15T12:08:18+00:00
According to a Principal Survey, 65% of American workers believe they will not accumulate enough savings to “meet their retirement needs” by the age of 65% If you are one of these people, give us a call and we can figure out how to grow your nest egg and get you retirement ready in time.

Tips-15

If you carry a balance on your credit cards, you could be spending hundreds, if not thousands, on interest charges each year. Fortunately, many cards offer introductory rates that can lower interest or even bring it down to zero temporarily if you transfer a balance. Just check for balance transfer fees first to make sure the savings are worth any cost, and be wary of potential pitfalls. Once a balance is transferred, discontinue the old card to avoid adding to your debt. Also, keep in mind that new credit inquires can negatively affect your credit score.
Gleba & Associates
2018-06-15T12:05:20+00:00
If you carry a balance on your credit cards, you could be spending hundreds, if not thousands, on interest charges each year. Fortunately, many cards offer introductory rates that can lower interest or even bring it down to zero temporarily if you transfer a balance. Just check for balance transfer fees first to make sure the savings are worth any cost, and be wary of potential pitfalls. Once a balance is transferred, discontinue the old card to avoid adding to your debt. Also, keep in mind that new credit inquires can negatively affect your credit score.

Tip-14

Aim to save money this year by doing preventative home maintenance. Changing air filters, patching leaks, and having your air/heating systems inspected all go a long way in preventing major home disasters. This upkeep will help you save money throughout the year.
Gleba & Associates
2018-04-12T05:32:46+00:00
Aim to save money this year by doing preventative home maintenance. Changing air filters, patching leaks, and having your air/heating systems inspected all go a long way in preventing major home disasters. This upkeep will help you save money throughout the year.

Tips-13

The insurance market is competitive, which means it's a good idea to check quotes. Even if you haven't had any claims, your rates could be affected by events happening elsewhere. A company that heavily insured an area hit by a natural disaster may be raising rates while other insurers are holding steady. While you can do some initial comparison shopping for insurance quotes online, be prepared to spend some time on the phone talking to agents as well. Don't forget to ask if there is a discount for bundling your home, car and life insurance.
Gleba & Associates
2018-04-12T05:32:10+00:00
The insurance market is competitive, which means it's a good idea to check quotes. Even if you haven't had any claims, your rates could be affected by events happening elsewhere. A company that heavily insured an area hit by a natural disaster may be raising rates while other insurers are holding steady. While you can do some initial comparison shopping for insurance quotes online, be prepared to spend some time on the phone talking to agents as well. Don't forget to ask if there is a discount for bundling your home, car and life insurance.

Tips-12

Cut back on bad money habits. Bad financial habits can be hard to break. Eating out too often, paying full price on clothing, and splurging on your pets are just some of the common ways people blow a lot of money. Get a friend or significant other to support you and help keep you in check the next time you want to buy Fido a $30 toy.
Gleba & Associates
2018-04-12T05:31:52+00:00
Cut back on bad money habits. Bad financial habits can be hard to break. Eating out too often, paying full price on clothing, and splurging on your pets are just some of the common ways people blow a lot of money. Get a friend or significant other to support you and help keep you in check the next time you want to buy Fido a $30 toy.

Tips-11

Fast-track your debt payoff goals. “I’m going to repay all my debt this year!” While that is a great goal to have, it is pretty ambitious. Instead, commit to fast-tracking the payoff process. Putting an extra $50 per month toward debt could make a huge difference. Most online repayment interfaces will allow you to automate the extra payment, so you don’t have to remember to do it every month, it’ll happen automatically for the whole year.
Gleba & Associates
2018-04-12T05:31:07+00:00
Fast-track your debt payoff goals. “I’m going to repay all my debt this year!” While that is a great goal to have, it is pretty ambitious. Instead, commit to fast-tracking the payoff process. Putting an extra $50 per month toward debt could make a huge difference. Most online repayment interfaces will allow you to automate the extra payment, so you don’t have to remember to do it every month, it’ll happen automatically for the whole year.

tips-10

One third of Americans make a money resolution this year, but how many actually keep it? About 50% of people want to save more, and 28% want to pay down debt. Gleba & Associates can help keep your 2018 resolution!
Gleba & Associates
2018-01-18T03:56:47+00:00
One third of Americans make a money resolution this year, but how many actually keep it? About 50% of people want to save more, and 28% want to pay down debt. Gleba & Associates can help keep your 2018 resolution!
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Disclaimer: Past performance is no guarantee of future results. All investing involves risk. Depending on the types of investments, there may be varying degrees of risk. Investors should be prepared to bear loss, including total loss of principal.