Retirement

Here at 9 Year Mortgage, we know that most retirement planners are facing a gap between their retirement goals and their actual retirement savings. Taking the initial retirement planning steps, setting aside and investing money, is the start of creating a retirement plan that you want. However, there are some other steps you can take to make sure that you will truly have enough money to cover your needs in retirement.

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9 Year Mortgage: Must Have Conversations When Planning Retirement Together 9 Year Mortgage sees that couples often have different expectations when it comes to their retirement.   It is important to discuss your retirement plans in-depth and become sure that you and your spouse are on the same page for this big life change. If each […]

When preparing to retire 9 Year Mortgage recommends you create a finical plan for even monthly and daily expenses. As you look over your potential budget you may be surprised how seemingly tiny expenses made frequently will add up over time. 9 Year mortgage encourages you start trimming your expenditures now in order to ease the shift to living without a salary. Here are some areas you should consider reducing.

9 Year Mortgage Suggests Four Ways to Increase Your Retirement Income Whether you want to work or have to work, there are many options available to help you earn extra income in retirement. Most retirees have years of work experience that can benefit employers, and many have the skills needed to start their own business […]

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In cultivating your credit score flawlessly I’m sure you’re the type of person who pays on time, and never leaves an outstanding balance, am I right? In your mind you’re golden! …Or are you. This may come as a surprise but these are not the key components to a superb credit score. Many consumers like you are unaware of what makes their credit scores move up and down.
Obviously you understand that the money that you spend and pay off per month in relation to your available credit effects your score but what you may not have realized is that they calculate your score from your total on your statement date and not the due date. You could have a balance that you don’t even know about which in turn hurts your credit, all the while you are unaware.

Here’s a little advice from 9 Year Mortgage on how to revamp your credit scores to what you want them to be while avoiding making those small decisions that can hurt big time.

So you’re finally at that age where you can retire, but the question is, can you? Most rush to leave the workforce, in years past up to half of retirees left their jobs by the age of 63. Because really, who wants to wait? You’ve been planning and saving and scraping for your retirement fund and now it’s finally time for you to relax and for all of that hard work to pay off. That is, if you did save and scrape and plan. A rising number of individuals in America now state that they do not feel confident that they will be able to retire by the age of 60; in fact only 13% of American employees feel confident that they will be able to live comfortably on their retirement fund. The financial doubt even reaches out to those who are already retired; over 70% have expressed worry that they do not have sufficient funds to support themselves for the rest of their retirement.
These days it isn’t simple to retire by any means but there are ways for you to get back on track with your plan. 9 Year Mortgage is here to help you take the first few steps towards the financial stability you deserve. Let’s take a look at some helpful advice and ideas to help you get to where you need to be.

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The joy of expecting a new edition to your family is astounding! What will he or she sound like? Will I see my eyes when I look at my baby, or will I see my husband’s chin? The moments after you find out this spectacular news your mind reels at what lies ahead with your little infant. You imagine a nursery full of books, colorful toys and soft blankets along with a rocking chair in a cozy corner just for you to hold and admire your new little angel. Having a baby is a remarkable experience and should be well thought out… this includes budgeting for your expanding family! You have an estimated nine months to plan and prepare, maybe less! 9 Year Mortgage is here to assist you in beginning on the right path to your new baby budget.

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For couples nearing retirement you may want to start thinking of a strategy to help you meet your financial goals, while still having the ability to travel along as you are crossing things off of your long- awaited wish list. 9 Year Mortgage can help you get there.

If you’re having a hard time imagining yourself for the next 30 years with the same job, and in the same financial position that you are in now then it’s time to make some changes. Here are some ways to cut costs and fast forward your retirement options.

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There are many unwise choices to be made when it comes to retirement savings, and risks that shouldn’t be taken. See, the problem is that we live in financially unstable times, times in which people are making investments they wouldn’t normally out of fear for security, but there are other options. Here are some tips about areas not to invest or spend your money in:

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9 Year Mortgage Tips on Fixing Your Finances This Holiday Season

Christmas is a time where people max out credit cards and get into debt just to please a friend or family member with a gift that in the upcoming months wont be used anymore. Let me suggest this Christmas season that you try and do things differently. Give practical gifts, inexpensive gifts, or even give the gift of financial advice.

Does the idea of reaching retirement seem impossible for you? does it provoke fear and anxiety because of debt or lack of savings? With today’s declining economy, too many people are fearing retirement and in response delaying it. But these fears can be done away with once you learn simple strategies that can help you prepare for retirement and eliminate debt. Nine year mortgage has been successfully helping thousands of people over the years become debt free and ready for retirement with confidence in a financial plan that will work for them. Read on and 9 year mortgage will help lessen your fears about retirement.

9 Year Mortgage believes over the next decade, new products, technology and adviser practices will make retirement look a lot different than it does today. The more things change, the less they will be the same. When things will change is possibly open to debate. Three of the nations leading experts recently said the changes will be radical. Curious about these changes? Read on and 9 Year Mortgage will tell you about them.

9 Year Mortgage believes that when children move out on their own many boomer parents seize the opportunity to splurge on themselves. The way most Americans see it, is they have finally reached their empty nester years, they have gotten over life’s biggest spending hump or has their spending only begun? Are these empty nesters spending all of their life savings and putting retirement off a couple more years by splurging on themselves? Continue reading and 9 Year Mortgage will give you the answer.

Not so long ago, countless jobs came with a pension, monthly checks paid upon retirement for the rest of an employee’s life. However more and more pension plans are not being offered. Pension plans are often used as retirement plans, but it is also possible to receive a pension based on disability or other circumstances. However, more and more companies are no longer offering them. Read on and 9 Year Mortgage will give you all the information you need to know about pension plans.

It is no coincidence that 90% of 9 Year Mortgage clients are between the age’s of 50 and 60; This is when retirement is in the near future and many people are realizing they are not ready for this next stage in their lives. Unfortunately most people don’t take retirement seriously until they get closer to retirement age, and by that point most of them still have a large amount of debt. Between the recent recession and housing market woes, those nearing retirement are finding that they are ill-prepared for the months to come and are struggling to feel secure with their finances. 9 Year Mortgage will discuss the major causes of those struggling to save retirement funds and the options that are available to them.

It is said that what you don’t know can’t hurt you. However that is not the case when it comes to your retirement. What you don’t know can cost you, and in some cases it can cost you dearly. Advisers say there’s a host of unknown costs and fees lurking inside your 401 K plans, IRAs and other such retirement accounts. These fees can make a huge difference in your overall investment returns. Read on and 9 Year Mortgage will tell you what to look out for.

Maybe you have noticed how the late Silent Generation and now Baby Boomers are not ending their career path at the “normal” age? Maybe you, yourself, are at the expected age of retirement but are finding that the luxury of relaxing and not working is not something attainable within your 5-year plan. 9 Year Mortgage has found that many adults are having to and choosing to extend their career path’s for numerous reasons; let us tell you why.

Have you ever wondered if your parents are being completely truthful when it comes to their finances? Do they have an old collection that may actually be worth thousands of dollars, or do they act poor but really have stacks of cash stashed away? Maybe their house is paid for and you have a sizable inheritance coming your way and you don’t even know it. If you have ever wondered about your parents money then read on and 9 Year Mortgage will tell you the 6 things you don’t know about your parents and their money.

9 Year Mortgage is becoming increasingly aware of the unfortunate trend of grown children relying on their parents for financial support. The unfortunate part of grown children relying on their parents for financing is due to the fact that it is ruining their parents chance for retiring or their retirement funds. Between helping your children with mortgages, rent, child care, gifting or allowing them to live at your home, you are jeopardizing your opportunity for a successful retirement and 9 Year Mortgage will show you how.

When it comes to getting your affairs in order before you die, most people know what to do, except for when it comes to the documents you need. You may think that just signing a bunch of papers establishing your estate plan and other end-of-life instructions would be enough, however it is not. You also have to make sure that your heirs are aware of these documents and where they are located. If you are not sure what documents you need, read on and 9 Year Mortgage will tell you.

We are approaching our 70’s and have been worried about how much longer we can continue working. Our 9 Year Mortgage Financial Plan will have us debt free in 10 years including our home. What is exciting to us is that 9 Year Mortgage will have all of our other debts paid off in only 2 years, freeing up close to $1,100 per month.