Judy Hucka, editor of the BetterInvesting Puget Sound Chapter Newsletter is our guest blogger today. BetterInvesting is a national, nonprofit association whose mission is to provide sound investment information, education, and support to help create successful investors. Instructors are volunteers and receive no monetary or financial payment or gain from your participation. BetterInvesting and the Puget Sound Chapter offer in-person and online classes for beginning, intermediate and advanced investors. For more information about BetterInvesting: www.betterinvesting.org.
OK, OK, you’ve probably heard this before. But it’s important! According to the U.S. Government Accounting Office, about half of households age 55 and older have no retirement savings—and up to two-thirds of workers may not have saved enough to maintain their standard of living in retirement.
You can start now to improve your chances of being in the one-third who do have enough to be financially secure when they retire. Continue reading “Money Smart Week: Get Started Investing for Retirement Now – It’s Really Not Hard”
Climate change is an issue on the minds of many people around the world. After years of unsuccessful attempts to come together around this issue, 195 countries met in December 2015 at the Paris Climate Conference and adopted the first ever universal, legally binding deal to address climate change. Yet the issue of climate change was noticeably absent from the televised political debates leading up to the November 2016 U.S. election. I’ve been struggling to wrap my mind around this complex and contentious issue, and I wanted to share some books that I’ve found to be helpful in cutting through the confusion and malaise.
Continue reading “A Short Climate Change Reading List”
Last month, I suggested some books to get you started on investing. This month, we move on to the different but related topic of retirement planning. Those of us who are fortunate enough to be employed for a significant number of years expect to retire at some point. The choices that we make years – sometimes decades – before retirement can have a huge impact on our standard of living when we are no longer working. Investments can be a valuable part of planning for retirement, and I encourage you to check out the blog post on investing, but there are many other moving parts to retirement: homes, debt management, pensions and 401Ks, Social Security, and insurance. Here are some books to help make sure your retirement years will be your best years.
How to Retire with Enough Money: And How to Know What Enough Is by Teresa Ghilarducci. A great overview for anyone who is starting to think about retirement, this book briefly covers many important topics such as 401K’s, saving, spending and debt, investments, and even the role of civic involvement in creating a better retirement system for the future. It also has an excellent resource list at the end to help you delve deeper into some of the topic covered. Continue reading “Retiring With a Plan”
Investing can be a scary word, especially with the effects of the 2008 financial crisis still lingering in many people’s lives and memories. But no matter what your risk tolerance is there are tax-efficient ways to save for your life goals. Knowing the risks and potential rewards of various investment tools can help you sleep soundly at night. Whether you’re wondering what a diversified portfolio looks like, what an Individual Retirement Account (IRA) is and what type might be right for you, or even how to save more money no matter how much you currently earn, these books offer ways to start planning for the future. Continue reading “How to Start Investing”
Two months ago, I made the change to a plant-based diet, largely eliminating my consumption of meat, fish, dairy, and eggs. While I’ve certainly had my share of challenges since then, going meatless has also allowed me to appreciate food in new ways.
Many people choose to be vegetarian or vegan for ethical reasons; others adopt a plant-based diet for health reasons. For me, it was a combination of the two. Still others are curious about what it’s like to live with fewer animal products. Maybe you’re interested in trying it out, but have no idea where to start and how to do it in a healthful, balanced way. Whatever your reason for reading this far, here are some resources for venturing into the plant-based world should you choose to do so. Continue reading “Going Veg.”