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By: Kathy Longo, CFP®, CAP®, CDFA
Did you know that there is a whole genre of articles, conferences, books, and workshops dedicated to helping marketers and advertisers reduce the time it takes for you, the consumer, to visit an online store and make a purchase? There are advertising tactics that encourage you to consider that purse you looked at online three weeks ago when you are simply googling how to make banana bread muffins. Do you ever wonder why or how the ads that come through your Facebook feed, Google search sidebar, or even your favorite online news outlet’s banner sections are so perfectly targeted to you and what you like or what you’ve bought in the past? The endeavor of online retailers (especially the giants like Amazon) is to reduce the amount of time between your arrival at the site and your purchase. According to a recent study, developers at Amazon want your timeframe to complete a purchase to be 30 seconds or less!
Even with a thriving economy, many Americans continually struggle to save money. While it’s certainly tempting to spend that extra cash, socking it away for the future in an IRA or investing in stocks makes much more sense. Try out a few of these tips, and you may find yourself with extra money to put aside for college or retirement.
By: Kathleen Longo, CFP®, CAP®, CDFA
What contributes to satisfaction in retirement? It certainly isn’t just finances. Completing the retirement equation means talking about and striving for fulfillment, happiness, and satisfaction in retirement.
Preparing for social and emotional issues that may arise during your retirement can be uncomfortable to consider and discuss. Many people feel embarrassed to talk about their unhappiness when they retire – they have saved for a comfortable life, they have free time, they have met their financial goals, and yet there is something missing. People usually don’t talk about it because they feel like they’re supposed to be happy.
The truth is “winning” at retirement isn’t just about how much money you have saved, it is about how you decide to fill your days, what you want to do with your time and discovering the things that make you feel happy – fulfilled. Here are some of the things that may contribute to dissatisfaction with retirement and ways that you can face and cope with them proactively.