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Sandra Reynolds, CFP
Sandra Reynolds, CFP® specializes in the financial issues affecting women and their loved ones. |
Articles By This Author:
Are You Leaking Money?
Business & Finance
By Sandra Reynolds, CFP
Money isn’t everything but it is necessary in our culture. If you find that you have more days at the end of the month than money, you are most likely leaking money.
Are Annuities Right for You?
Business & Finance
By Sandra Reynolds, CFP
In the last two issues, I explained fixed and variable annuities. Before we talk about the pros and cons of each, here is a brief recap of the last two articles:
Annuities are financial vehicles that can be sold only by insurance companies. Basically, an annuity is a contract between you and an insurance company which promises to pay you a future income in exchange for the lump-sum payment or premiums (payments) that you pay.
What in the World is a Variable Annuity?
Business & Finance
By Sandra Reynolds, CFP
In the last issue, we talked about fixed annuities and how they work. To recap, annuities are financial vehicles that can be sold only by insurance companies. Basically, an annuity is a contract between you and an insurance company which promises to pay you a future income in exchange for the lump-sum payment or premiums (payments) that you pay.
In this issue, I’ll explain variable annuities and how they work and in the February/March issue I’ll go into more detail about when you may want to consider an annuity and when you should not use an annuity. So here we go.
What on Earth is an Annuity?
Business & Finance
By Sandra Reynolds, CFP
If you’re like a lot of people, you’ve either heard the word “annuity” or read it somewhere, usually in an advertisement on TV or in a magazine. They never really say what an annuity is but they sure make it sounds good. So, what exactly are they talking about? That’s a good question because they could be talking about any one of a number of things that all fall under the term “annuity”.
It's Never Too Late to Save Money
Business & Finance
By Sandra Reynolds, CFP
Most people have good intentions about saving for retirement. But few know when to start or how much is enough. Far too many people use credit cards as an additional income source and sink further into debt. This leaves precious few dollars to put aside for savings and retirement. And, the interest on credit cards builds up much faster than interest on a savings account.
Finding Ways To Save For Retirement
Business & Finance
By Sandra Reynolds, CFP
Let’s talk about the importance of saving for retirement and finding ways to do that. I often have clients come in who want to “invest” but don’t really understand what that means. In this issue we’ll look at what investing is, what it isn’t and what your options are.
Women, Retirement and the Return of the Piggy Bank
Business & Finance
By Sandra Reynolds, CFP
Planning and saving for your retirement may seem like a goal that’s far in the future. Yet saving, especially for retirement, should start early and continue throughout your lifetime. You don’t have to work outside the home to put money away for retirement. If you are a Stay-At-Home Mom, you can still put money in an IRA as long as you have a spouse (husband under federal IRS rules) who works for pay or you receive alimony. In this issue we will take a look at ways in which you can save for retirement.
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