• Home
  • About
  • Advertise
  • Contact
  • Policy
  • Guest Post
  • Archive

One Cent At A Time

A Personal finance blog to get rich

  • Email
  • Facebook
  • Pinterest
  • RSS
  • Twitter
  • Beautiful Life
  • Becoming Rich
  • Beginners Guide
  • Extra Income
  • Productivity
  • Saving Money

4 Considerations for a Successful Retirement

July 27, 2016 2 Comments

Share this:

  • Tweet
  • Email

Retirement planning is often mistaken as a purely financial activity. Life is about more than money; retirement is no different. What the terms ‘success’ and ‘retirement’ denote to you is inherently subjective. Someone who defines success in financial terms will have different retirement priorities as well.

4 Considerations for a Successful Retirement

When planning for a successful retirement, it is important to address four basic aspects regardless of how you prioritize them. Failing to address retirement needs comprehensively will lead to discontents a term that is not often associated with success.

Continue Reading...

How to Choose a Small-Business Retirement Plan

May 30, 2016 3 Comments

Share this:

  • Tweet
  • Email

As a small business owner, you’ve got a heap of tasks that need your attention today. So opening a small business retirement plan may not be on the top of your list.

But here’s an argument for moving it up the priority ladder:  Small-business retirement plans provide plenty of financial benefits you and your business can use in the here and now.

Small Business Retirement Plan

Continue Reading...

How to Financially Prepare for Retirement

July 10, 2015 1 Comment

Share this:

  • Tweet
  • Email

It will be here sooner than you think. Retirement—the day you’ve looked forward to since your first boss yelled at you or your first extended overtime stint—can produce a host of emotions, ranging from boundless joy to abject fear. It’s not easy to take a long, hard look at your finances or to contemplate your mortality, but doing so is the only way to protect yourself from life’s uncertainties when you retire.

Advantages of Starting Retirement Saving Early

The earlier in your career you start preparing for retirement, you’ll be better financially upon retirement. With more than half of working population in the US having no retirement saving, it’s scary to think about their future. Their only alternative is to continue working till they drop. Unless you want to be in the same boat, start preparing for your retirement today, start saving for retirement today.

Continue Reading...

Millennials Are Unprepared For Retirement – Infographic

July 8, 2015 4 Comments

Share this:

  • Tweet
  • Email

Maybe it is this generation’s record-breaking student debt, or maybe it’s the trend of getting married much later in life, but millennials are known for putting off adult responsibilities. The generation is pushing back the big financial decisions in life, like buying a home and establishing a viable retirement plan.

How Millennials are Unprepared for Retirement

A new survey[1] from the Indexed Annuity Leadership Council (IALC) reveals that 37% of millennials say they have no money for retirement, and 24% say they owe more than they’ve saved. So, clearly millennials are unprepared for retirement!

Continue Reading...

10 Reasons 401(k) May Be a Risky Investment For Some

March 30, 2015 1 Comment

Share this:

  • Tweet
  • Email

As a personal finance blogger, I have been telling in almost every retirement focused blog post that the bets thing you could do for yourself is to save away money in retirement fund, aka 401(k) or 403(B).  When I received this guest post I was about to reject and send an apology email to the author. But I took time to read it and it started making sense. He’s not asking you to stop investing in 401(k) but he’s mentioning some of the hidden flaws of the system and possibly he’s also motivating you to use every kind of retirement assets, like IRA, Roth IRA, Annuities, etc along with 401(k). Enjoy the post!

Is 401(k) fund Risky

For many millions of people, a 401(k) plan is seen as the ultimate security blanket. It’s the proverbial pot of gold at the end of the employment rainbow.

Continue Reading...

Why a SIPP Might Be the Smartest Way to Save

November 12, 2014 Leave a Comment

Share this:

  • Tweet
  • Email

This is a guest post from one of our UK readers Martin. He talks about SIPP, which is equivalent to IRA and Roth in the US. You get tax advantage to contribute to the pension plan provided you delay the withdrawal. Like IRA’s, you’ll get complete freedom in choosing the investment vehicles for your retirement saving. Enjoy the reading!

Enjoying Retirement

Whether you’re thirty-five or fifty-five, it’s essential to spare some time every now and then to think about your retirement plans. If you want to have more than the state pension provides – and this is certainly advised – it’s essential that you start saving for your old age from as early as you possibly can.

Continue Reading...

How to Avoid Working in Old Age and Meet your Retirement Goal

October 20, 2014 9 Comments

Share this:

  • Tweet
  • Email

This is not an astrological prediction, but, a possibility for most of us. 20% of workers aged 50+ are in the workforce; 75% of workers aged 50+ are expected to have retirement jobs in the future. So most of us will still be working for a job to meet our basic needs for food and shelter. This is a scary situation. Retirement is a time to cherish the hard work of yesteryear. Retirement is to enjoy things we postpone during our working life.

Enjoying Retirement

The best thing you could do now is to realize that you are falling behind and try to correct your situation. Unless you really enjoy your work and enjoy being in a company of colleagues, you must look out for a safe and comfortable future, where your money could bring in the returns that let you enjoy the same or a better lifestyle than what you have today.

Continue Reading...

How Young Adults Can Start Planning for Retirement

August 10, 2014 6 Comments

Share this:

  • Tweet
  • Email

When I started saving for retirement, I was not exactly young adult. I was about to enter into my 30’s. Partly because I immigrated to this country late and initially thought of returning back home. Things didn’t turn as per that plan. Now I am resident and will stay here for a long long time. I am now playing a catch-up game, a catch up to have my retirement saving on track and overcome the late start. In this post, I’ll give one of the most important financial advice for young adults, about planning for retirement.

Young Adults

Especially if you’re in your early to mid 20’s this post is really for you to help get your retirement saving started and get going. You’d like to retire rich, right? Of course you would, and while retirement seems like a long way off for those of you in your twenties, if you haven’t given it at least a little thought you could be missing out on a massive wealth creation opportunity.

Continue Reading...

Ice Cream vs Retirement

August 1, 2014 7 Comments

Share this:

  • Tweet
  • Email

You make choices about your financial future every day. Whether it’s saving 10 percent of your income or purchasing a water bottle at the gas station, these small, seemingly insignificant choices can decide your financial future over time. And if you don’t carefully plan for your money to go where you’d like it to go? It can cost you your happiness and security in the long run.

IceCream vs Retirement

Even though we might not think purchases that only cost a few dollars are significant, they actually are quite important. Especially when you consider those purchases from the perspective of compounded interest.

Continue Reading...

Attempt to Understand IRA Need

June 3, 2014 Leave a Comment

Share this:

  • Tweet
  • Email

How much do you know about IRAs? You probably only heard about it or  you may be a regular IRA investor but, really don’t know much about the role it plays on retirement success. How often do you logon to your online IRA account? How often do you open the mailer containing your IRA account statement? Let’s admit there’s a need to learn more, especially if you’re not an IRA investor yet.

Roth IRA

First let’s talk about the basic things first,  what you most probably already know. Namely, that retirement investing can be confusing. You know that it takes just a few seconds of talking about market cycles, redistribution, indicators, and various other investment speak to have you running for the hammock. And we haven’t even mentioned IRAs, distributions, safe havens, or tax deferred paperwork. (“Honey, seriously, I’m going to take care of it on Sunday.”)

Continue Reading...
« Previous Page
Next Page »


Create your own blog in 20 minutes and $20

Personal Capital, a free tool to change your financial health today

I use and suggest Upstart, for your personal loan need

CreditKarma, a free tool to check your credit scorey

I use Coinbase, for my crypto investments

101 Cents at a Time

101 Ways to Earn Extra Money on the Side
201 Frugal and Perfect Birthday Gifts
101 Ways to Save Money Everyday
101 Ways to be Better and Successful at Work
101 Ways to Save Environment and Energy
101 Frugal and Romantic Anniversary Ideas
101 Low-Cost Men's Fashion Ideas
101 Personal Finance Tips
101 Ways to Reuse Household Stuff
101 Things to Do, When Nothing to Do
101 College Graduation Gift Ideas
100 Tips for Ecommerce Startup
101 Ways to Enjoy Indoor During Winter
101 Ways to Beat Procrastination

Popular Posts

Quick Cash - How to make $100 legally, in a day
Living well on less than $15,000 a Year
Top survey sites for side income
What to do when auto repair goes wrong
Where should I invest my money now?
20 Ways to be productive and happy at work
51 Ways to get out of debt
Be a better person in 15 days, 15 ways
Income ideas for retirees and senior citizens
51 side jobs for college students
Urgently need a large amount of money?
Should I buy or should I rent?
Best Personal loan providers
25 Ways to save environment
25 DIY car repairs to save money
How to decorate office cubicle
How to show your wife you care
50 Financial Rules for Success
51 Frugal weekend family activity ideas
Become Rich By Saving 1 Hour Of Daily Wage
How much do I need to save for retirement?
How to negotiate your salary

Follow us on FaceBook

Subscribe

Join our community of 5000+ subscribers to increase net worth and build wealth

Advertisements

Personal Stories

How I got a new HP computer replaced
Was COVID circulating in USA in fall of 2019?
How my credit score went up 800+
Why I didn’t invest in Bitcoins
How I controlled impulses to buy things
Why this blog is named One Cent at a Time

Subscribe via Email

Site Disclaimer

Disclosure of Material Connection: Some of the links in this web site are “affiliate links.” This means if you click on the link and purchase the item, I will receive an affiliate commission. Regardless, I only recommend products or services I use personally and believe will add value to my readers. I am disclosing this in accordance with the Federal Trade Commission’s 16 CFR, Part 255: “Guides Concerning the Use of Endorsements and Testimonials in Advertising.”
Read full Affiliate disclosure


One Cent at a Time is published by SB. The opinions expressed herein by him are his own and not those of his employer or anyone else. All content on One Cent at a Time is for entertainment purposes only. By reading this blog, you agree that SB and/or One Cent at a Time is not responsible for any actions taken after reading this blog. For the full disclaimer, click here .

Major Media Mention

One Cent at a Time Media Appearances

Copyright © 2023 One Cent At A Time · Designed by Nuts and Bolts Media