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Kelly C. Ruggles Articles |
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Kelly C. Ruggles - The Three-Step Retirement Plan Tune-Up
Conducting an annual review of your retirement goals and strategy is a great way to help ensure that your plans for your financial future remain realistic and on track.
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Kelly C. Ruggles - Preparing for Health Care Reform: The Summary of Benefits and Coverage
The battle over health care reform is still raging in various federal and state courts and may even make its way to the Supreme Court. But insurers and plan administrators still have to prepare for the eventuality that the new law will take effect as scheduled in 2014.
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Kelly C. Ruggles - Weekly Market Recap-November 4, 2011
U.S. stocks finished a volatile week lower, with concerns about Europe once again driving the market. Stocks in Europe also fell, as investors awaited a confidence vote regarding Greek Prime Minister Papandreou.
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Kelly C. Ruggles - Heightened Volatility: The New Normal?
It's not your imagination: The stock market is bumpier than normal. The U.S. economy can't find its footing -- and every piece of bad news, whether at home or abroad, has the potential to send the markets reeling.
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Kelly C. Ruggles -How to Be a Good Financial Role Model for Your Child
Parents overwhelmingly believe that they -- not the schools, the government, or any other third party -- should provide financial education to their children. Yet most don't practice what they preach.
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Kelly C. Ruggles - Navigating Medicare and Medigap
Most adults become eligible for Medicare on the first day of the month they turn age 65. Whether you need to sign up, and how to go about doing so, depends on the type of coverage you select and whether you collect Social Security benefits prior to becoming eligible for Medicare.
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Kelly C. Ruggles - Five Key Considerations for Your Annual Review
Anytime of the year is a good time for an annual financial review. If you are planning on meeting with your advisor, here are five key issues to consider.
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Kelly C. Ruggles - Sector Investing: Weighing the Risks With the Returns
Investing a few hours to create and maintain a household budget may be the key to identifying opportunities to save more for the future, including for long-term goals such as retirement.
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Kelly C. Ruggles - Looking for Extra Savings? Start with a Budget
Investing a few hours to create and maintain a household budget may be the key to identifying opportunities to save more for the future, including for long-term goals such as retirement.
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Kelly C. Ruggles - Getting a Loan: Be Prepared for More Scrutiny
If you are shopping for a mortgage or home equity loan, be prepared to fill out a lot of paperwork. The days of instant phone approvals are long gone. Now lenders are more carefully scrutinizing your past credit history, income, and current debt load.
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Kelly C. Ruggles - In and Out of Refinancing
With mortgage rates near historic lows, homeowners may have the option of refinancing. If you can lower your monthly payment by a significant margin and you plan to stay in your home long enough to recoup the cost of refinancing, you may want to investigate this option.
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Kelly C. Ruggles - Four Steps to Help Reduce Debt
With continued concerns about the falling value of homes, rising health care costs, and an uncertain outlook for the economy, now more than ever, Americans need to set a new course with regard to managing their household finances.
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Kelly C. Ruggles - Health Insurance Options for the Self-Employed
Self-employment is an important career choice for many people. The new health care legislation signed into law by President Obama should make it easier for individuals to purchase health insurance.
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Kelly C. Ruggles - Retiring Early: Do You Have What It Takes?
Early retirement is a phrase many Americans wish they could turn into a reality. It's important to factor in how an early retirement could affect your Social Security benefits, options for health insurance, and the nest egg you plan to rely on for ongoing living expenses.
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Kelly C. Ruggles Bond Laddering: Preserving Principal While Generating Income
Many retirees, when planning for their living expenses, are trying to meet two key objectives: generate ongoing income and preserve as much of their principal as possible. In many instances, the strategy of bond laddering may be helpful in pursuing both of these goals.
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Kelly C. Ruggles Advocates Personalized Retirement Financial Plans
Kelly C. Ruggles is a investment advisor representative with more than fifteen years of experience in the field of financial planning for retirees and preretirees. Kelly C. Ruggles also is the founder of American Reliance Group Inc. which provides financial and estate planning advice to retirees and preretirees. American Reliance Group, Inc. is a registered investment adviser.
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Kelly C. Ruggles is an Investment Adviser Representative
Kelly C. Ruggles is an investment adviser representative and educator with nearly 15 years of experience in the field of financial planning for retirees and preretirees. Kelly C. Ruggles also founded American Reliance Group Inc. for the purpose of helping those near retirement age plan their finances for retirement.
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Kelly C. Ruggles Is a Fee-based Financial Planner
Kelly C. Ruggles is a financial planner from Spokane, Washington who provides financial advice to retirees or people nearing retirement age. Kelly C. Ruggles is the founder of American Reliance Group Inc.
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Kelly C. Ruggles Simplifies Investment Options for Retirees
Kelly C. Ruggles is a fee-based financial planner and educator who provides retirement investment advice to retired individuals, plus those approaching retirement age. Kelly C. Ruggles has more than 15 years of experience in the field of retirement planning for retirees and preretirees.
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Kelly C. Ruggles is the Founder of American Reliance Group Inc.
Kelly C. Ruggles is the founder and president of American Reliance Group Inc. American Reliance Group helps retired individuals make financial decisions that can lead them into lives of comfort after retirement.
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Kelly Ruggles - Registered Investment Advisor From Spokane, Washington
Kelly Ruggles is a registered investment advisor and financial educator with years of experience in the financial field. Kelly Ruggles has worked in area of retirement financial planning for retirees and pre-retirees.
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Kelly Ruggles Advices Retirees to get Customized Retirement Plans
Kelly C. Ruggles has over fifteen years of working experience in providing financial planning related advice for retirees and preretirees. Kelly C. Ruggles is also the founder and President of American Reliance Group Inc. which provides financial and investment related advice to retirees and preretirees.
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Kelly Ruggles - Financial Planning Advisor For Retirees
According to Kelly Ruggles, preparing for retirement is essential for retirees. By using the services of an investment adviser representative, retirees can create a quality financial plan for their retirement years.
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ROTH IRA Conversion has its Benefits but Deciding is Tricky
Financial services companies are using a temporary change in Roth IRA conversion rules to roll out a marketing juggernaut to convince you that conversion is the greatest opportunity ever.
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Sunny Days, Genetic Investing, & More
A recent study by John Shon of Fordham University and Ping Zhou of Baruch College found that investors reacted better to earnings announcements on sunny days in New York City.
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Someone Will Come Out On Top of The Market Due To Chance
Consider famous mutual fund manager Bill Miller of Legg Mason Value Trust. For 15 calendar years his mutual fund beat the Standard & Poor's 500 Stocks Index before stumbling in 2006.
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Politics Shapes The Average Investors Allocation Decisions
A new study of the behavior of 60,000 retail investors has found that investors are more confident when their political parties are in power in Washington.
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Bonds and Their Risks
It's no secret that many baby boomers are planning on working later in life to shore up a nest egg that is smaller than it should be.
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Millionaires Up, Retirement Woe & More
Workers saving for retirement say they are behind in their saving, found a new survey by the Employee Benefit Research Institute.
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Wealth Destroying Mutual Fund Companies Hurt Their Customers
The four fund families invested heavily in technology and growth stocks, which Morningstar said were the biggest wealth-destroying investment categories.
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Best Tips for Making and Saving Money
Master the Thirty Day Rule: Whenever you're considering making an unnecessary purchase, wait thirty days and then ask yourself if you still want that item.
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The Key Ingredient of Market Bubbles
According to internal Washington Mutual; documents, the fraud rate for mortgages from those two offices was 58% and 83%. No internal documents have turned up to show that the company ever addressed the problem.
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Looking at Your Account Values Too Often?
Lam believes that investors who pore over their portfolios every instant are only hurting themselves. Too much scrutiny causes investors to mistake volatility for returns.
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The Go-Go, Slow-Go, and No-Go Years of Retirement
Retirement is one of the biggest changes you'll ever make in your life and to be successful, you have to consider the financial and non-financial issues involved.
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Six Tips to Help Get Your Children Involved in College Planning
Is your family looking forward to a school vacation over the next few months? Consider getting a head start on college planning. There are many activities that you can undertake now to ease the college decision-making process later.
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