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A listing of Personal Services in the South Bay Los Angeles Area A listing of Professional Business and Financial Services in the South Bay Los Angeles area A listing of Contractor and Construction Services in the South Bay Los Angeles area A listing of professionals, contractors, and personal services in the Torrance, Manhattan Beach, Hermosa Beach, Redondo Beach, Gardena, Lomita, Carson, El Segundo, Hawthorne, Lawndale, Rancho Palos Verdes, Palos Verdes Estates, Inglewood, and the Los Angeles area. A listing of professionals, contractors, and personal services in the El Segundo area A listing of professionals, contractors, and personal services in the Torrance area A listing of professionals, contractors, and personal services in the Manhattan Beach area A listing of professionals, contractors, and personal services in the Hermosa Beach area A listing of professionals, contractors, and personal services in the Redondo Beach area A listing of professionals, contractors, and personal services in the Gardena area A listing of professionals, contractors, and personal services in the Lomita area A listing of professionals, contractors, and personal services in the Palos Verdes Estates area A listing of professionals, contractors, and personal services in the Rancho Palos Verdes area A listing of professionals, contractors, and personal services in the Inglewood area
A listing of professionals, contractors, and personal services in the Hawthorne area A listing of professionals, contractors, and personal services in the San Pedro area A listing of professionals, contractors, and personal services in the Carson area A listing of Job and Employment opportunities in the South Bay Los Angeles area
Edward Jones - Robert Nevarez
Articles About Financial
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Time for New Year's (Financial) Resolutions
By Edward Jones
Now that it's almost 2004, it's time to make some New Year's resolutions. What are yours? Lose weight? Volunteer more? Quit smoking? Spend more time with your family? All these are worthwhile goals. But, while you're in the resolution-making frame of mind, don't forget your financial resolutions. Here are some to think about: ˇ Cut your debt load - If you feel overburdened by debt, you're not alone. At the beginning of 2003, American households owed, on average, nearly $9,000 on all credit cards, according to Cardweb.com, a Web site that provides credit card information to consumers. This figure is up 173 percent over the past decade. You'll find it very hard to achieve your financial goals if you're overburdened by debt. Set a realistic goal for whittling down the amount you owe. And avoid taking on unnecessary new debts through more credit card purchases. ˇ Increase your retirement savings - Put in as much as you can afford to your IRA and your 401(k) or other employer-sponsored retirement plan. These tax-advantaged accounts are great ways to help boost your retirement savings. ˇ Put bonuses and salary increases to work - Consider investing your bonuses and salary increases. If you don't really need the additional money to meet your basic needs, you can put it to work helping you build your investment portfolio. ˇ Avoid tapping into your investments - Try to build an "emergency" cash cushion of about three to six months' worth of living expenses. Once you've established this fund, you won't need to tap into your investments to pay for major car repairs, new appliances or any other unexpected costs. And by letting your investments have the opporutunity to grow as long as possible, you can accelerate your progress toward your long-term financial goals. ˇ Diversify your portfolio - By spreading out your dollars over a wide range of assets - stocks, bonds, government securities, etc. - you can help cushion the impact of a downturn that may affect just one particular area. And by owning many different investments, you give yourself a better chance to succeed. ˇ Keep emotions out of investing - There's plenty of evidence that fear and greed drive the market. Don't be ruled by your emotions. If a stock is falling, you don't have to join the selling stampede - especially if the company has good prospects. Conversely, don't chase after "hot stocks" - they may already be cooling off by the time you buy. ˇ Protect your family - Go over your insurance coverage to ensure it is sufficient to help your family meet their needs should something happen to you. ˇ Check your beneficiary designations - If you've gone through any significant changes in your life - divorce, remarriage, stepchildren, etc. - then you'll want to make absolutely sure your beneficiary designations on all your financial documents are up to date and correct. ˇ Boost college savings - If you have a child, it's never too soon to start saving for college. Consider opening a 529 plan or a Coverdell Education Savings Account. ˇ Rebalance as needed - As your needs, goals and personal situation evolve over time, you'll want to adjust your portfolio. Your investment professional can help you make the appropriate changes. By following through on these resolutions, you can make great strides toward improving your financial situation in 2004 - and in all the years to follow.

Copyright 2001, 2002, 2003 © South Bay Business Register, Edward Jones - Robert Nevarez, and Edward Jones. All rights reserved.
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