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Dummies Articles

Below is a collection of “Retirement Planning for Dummies” articles written by Ryan Zacharczyk, CFP®, MBA for Dummies.

The Pros and Cons of a Reverse Mortgage

Misconceptions about reverse mortgages may cause homeowners to avoid consideration of these complex loans.

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What to Expect with the Mortgage Refinance Process

If a refinance of your mortgage seems like the right decision for you, it is important to know the steps of the process.

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Real Estate Investing in a Down Market

Here are a few tips to keep in mind when purchasing real estate in a down market.

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How to Manage your Holiday Financial Hangover

Managing your holiday financial hangover is not as hard as you think.

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How to Survive a Surprise Early Retirement

Being thrown into retirement when you are unprepared can create undue stress and anxiety. Here are a few tips for surviving early retirement.

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How to Set Financial Goals with Your Spouse

Setting financial goals and planning for their accomplishments will go a long way to solving your money disputes.

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How to Save Money on Your Banking Fees

Although the fees you pay to your bank may never go away entirely, a little knowledge and some proper planning can help you to reduce your fees dramatically.

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How to Protect Restricted Stock from Falling Prices or Poor Management

There is a strategy that can protect your restricted company stock from the ravages of the stock market, or worse, management incompetence.

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How to Live off Your 401k without Going Broke

Here is a common sense approach that will protect your portfolio even during the worst of market environments.

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How to Diversify Investments during Retirement

A concept called “pools of money” can provide retirees with the level of income they expect without having to be concerned about market volatility.

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Four Financial Planning Steps for Women

If in the past you’ve taken a backseat to your husband in terms of your family’s finances, it’s time to get in the driver’s seat.

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Investing during an Economic Recovery: 5 Things to Remember

Follow these five steps to make the most of an economic turnaround when you invest.

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Helping Elderly Parents with Their Finances

These five steps can make it easier for you to help your parents manage their money.

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Impact Your Investment Return with 3 Simple Strategies

Here are a few simple strategies to juice up your investment performance while you wait for the market to recover.

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How to Invest Cash Wisely for the Short-Term

Whether you’re setting money aside in an emergency account, saving for a large purchase in the near future, or investing as part of your asset allocation, you can ensure your cash is providing you with all it should by following these guidelines.

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8 Financial Steps to Take before Retirement

If you want to start getting your finances in order on your own, here are 8 steps to prepare for retirement.

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What Is Medicare Part A?

Medicare Part A is the hospital insurance portion of Medicare.

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What Is Medicare Part B?

Medicare Part B is the supplemental program to Part A.

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What Is Medicare Part D Prescription Drug Program?

Part D allows seniors to have some form of insurance coverage that will enable them to get their prescription drugs at an affordable rate.

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How Medicare Works as Government Health Insurance

All those who are eligible for Medicare or will become eligible shortly should know what is provided and how the system works.

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7 Steps to Financial Freedom

To get on track financially, follow these 7 simple steps for getting out of debt, saving for your future, and living the life you’ve always imagined.

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What to Expect with the Mortgage Refinance Process

If a refinance of your mortgage seems like the right decision for you, it is important to know the steps of the process.

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How to Invest if you are in your 20′s

Investing a portion of your income while in your 20s can reap tremendous benefits when you are older, if you plan properly.

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8 Ways to Save Money Now and Every Year After

Need to save money on your expenses every year without affecting your lifestyle? Here are eight simple things that could save you thousands of dollars.

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How to Benefit from the New 2010 IRA Conversion Rules

If you have funds in an individual retirement account, the federal government has afforded you a unique opportunity in 2010 to convert those funds to a Roth IRA.

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How to Invest Cash Wisely for the Short-Term

Whether you’re setting money aside in an emergency account, saving for a large purchase in the near future, or investing as part of your asset allocation, you can ensure your cash is providing you with all it should by following these guidelines.

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4 Steps to Prepare for the Next Bear Market

A bear market (a term to describe a period when the stock market is off 20% or more from its highs) is an inevitable part of investing.

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Investing during an Economic Recovery: 5 Things to Remember

How can you take advantage of personal investing opportunities when economic recovery arrives? Follow these five steps to make the most of an economic turnaround when you invest.

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6 Steps toward Retirement Savings for the Late Starter

It’s never too late to start saving for retirement. If you feel like you’re getting a late start and need to catch up on your retirement savings, here are six things to remember.

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How to Avoid Becoming a Personal Investing Victim

Here are a few red flags that will help you avoid becoming a victim of investment fraud.

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How to Take a Vacation on a Budget

It is not difficult to save a bundle on your next trip by following these simple steps.

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Contact Zynergy Retirement Planning

Schedule a free consultation with a retirement specialist today.

732-784-2380

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