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Financial Fitness

RMD Precautions & Options

RMD Precautions & Options A reminder about mandatory withdrawals from IRAs & other retirement plans. Just what is an RMD? After you turn 70½, the IRS requires you to withdraw some of the money in most retirement savings accounts each year. These withdrawals are officially called Required Minimum Distributions (RMDs).1  You must take an RMD from a traditional IRAs after you turn 70½, even if you are still working. If you don’t, a severe financial penalty awaits – you may [...]

By |2017-03-28T08:17:28-04:00October 3rd, 2013|Financial Fitness, Income Taxes, Investing, IRA, Personal Finance|Comments Off on RMD Precautions & Options
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Protecting Yourself While Shopping Online

Protecting Yourself While Shopping Online What steps should you take? Whether you shop online routinely or infrequently, the risk of identity theft rises as you offer more and more information about yourself online. Don’t use a debit card, and use only one credit card. If your debit card gets hacked, the thieves may be able to access your bank account. But if you use just one credit card for online shopping, you’ll just have one card to cancel if your [...]

By |2017-03-28T08:17:29-04:00May 31st, 2013|Financial Fitness, Personal Finance|Comments Off on Protecting Yourself While Shopping Online
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IRA Contribution Reminder

IRA Contribution Reminder Here’s an important reminder: April 15 is the deadline for funding your IRA for 2012. (If you have a SEP IRA, you have until October 15 if you filed an extension on your personal tax return.) You may contribute up to $5,000 to a traditional IRA or a Roth IRA for the 2012 tax year. If you were 50 or older in 2012, your contribution limit is $6,000. (If you own multiple IRAs, your total IRA contributions [...]

By |2017-03-28T08:17:30-04:00March 28th, 2013|Financial Fitness, Investing, IRA|Comments Off on IRA Contribution Reminder
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Building An Emergency Fund

BUILDING AN EMERGENCY FUND Creating a financial cushion for stressful times.   How would you respond to sudden financial demands? We all define “emergencies” differently, but we are not immune to them. How can we plan to stay afloat financially when they occur? Most households are not financially prepared for an emergency – not even close. A recent study from the National Foundation for Credit Counseling found that 64% of Americans had less than $1,000 in funds earmarked for a [...]

By |2017-03-28T08:17:31-04:00January 25th, 2013|Financial Fitness, Personal Finance, Saving & Budgeting|Comments Off on Building An Emergency Fund
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Bad Money Habits to Break In 2013

BAD MONEY HABITS TO BREAK IN 2013 Behaviors worth changing for the New Year.       Do bad money habits constrain your financial progress? Many people fall into the same financial behavior patterns year after year. If you sometimes succumb to these financial tendencies, the New Year is as good an occasion as any to alter your behavior. #1: Lending money to family & friends. You may know someone who has lent a few thousand to a sister or brother, a [...]

By |2017-03-28T08:17:31-04:00December 6th, 2012|Financial Fitness, Personal Finance, Saving & Budgeting|Comments Off on Bad Money Habits to Break In 2013
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Photo Credit

Thank you to Salmon Falls Photography in Plymouth for use of their lovely photo in our header!

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Disclaimer

Registered Representative, Securities offered through Cambridge Investment Research, Inc., a Broker/Dealer, Member FINRA/SIPC. Investment Advisor Representative, Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. Cambridge and North Light Financial Services are not affiliated. Cambridge does not offer tax advice. Office of Supervisory Jurisdiction: 46 Accord Park Drive / Norwell, MA 02061 Phone: 781-878-4063 Due to various state regulations and registration requirements concerning the dissemination of information regarding investment products and services, we are currently required to limit access of the following pages to individuals residing in states where we are currently registered: FL, IL, KY, LA, MA, ME, NC, NH, NM, OR . If we are not currently registered in your state, please email us at info@northlightfinancialservices.com. We may be able to refer you to a representative in your area, or we may become registered in your state, at which time we could further discuss our services with you.

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