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April 16, 2021
New Mexico’s Legal & Financial Weekly
Vol. 10.101 No. 16
FORECLOSURE SALES: 0 PROBATE: 28 AUCTIONS: 4 NOTICE OF SUITS: 2 OTHER: 28 SPANISH NOTICES: 0
Savvy Financial Planning Sooner Means More Money Later Whether you are new to the workforce or a seasoned pro, retirement planning is the secret to long-term wealth, and it is never too early or too late to make a plan to live your best life in later years.
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With the unique challenges and unpredictability caused by the coronavirus pandemic, many people were forced to neglect or ignore their savings and financial planning. That’s certainly understandable. But as the economy improves, new workers and those approaching retirement can take advantage of smart ways to plan and save in a way that they may not have been able to a year ago. The following tips from CFP Board, a nonprofit organization dedicated to benefitting the public by supporting professional standards in personal financial planning, may give you some ideas on how best to plan for your retirement:
as you consider these points in retirement planning, whatever your current work status or age:
Review your goals. Does your retirement wish list include a cruise to Go high-tech, with caution. Alaska, an African safari, or y o u r “Keeping track of your personal own house on a secluded l a k e finances is time-consuming and in the woods? Do you w a n t not what you want to do in your to open a small business, or help retirement years,” says CFP Board out your children and grandchildren Ambassador Bill Schretter, CFP®. with education costs? Consider “I recommend all my clients potential expenses now to plan savvy automate as much of the saving withdrawals later. and reporting functions as possible. Watch for tax traps. “If your However, I do not recommend withdrawal plan puts you into a that you use free service apps,” he higher tax bracket, you might want emphasizes. to lower the amount you plan to pull out,” says CFP Board Ambassador Why? Many free service apps will J.J. Burns, CFP®. use your information to try to sell Also, diversify with a range of you financial and non-financial accounts that are taxed differently products that you don’t need and for more flexibility. If you don’t have a Roth IRA or 401k, it is never too could siphon away from your retirement savings. early or too late to start one, and a certified financial planner can give advice “I recommend that you purchase your own program or use programs that on moving some retirement savings into one of these accounts to maximize your advisor or bank provide to help you keep your finances organized,” says future income. Schretter. “Let an app automate regular tasks, but leave the most important Visit LetsMakeAPlan.org for more advice and tips to make the most of your financial advice and management to qualified human beings,” he adds. income in retirement. A CERTIFIED FINANCIAL PLANNER™ professional can provide guidance -(NewsUSA)
THE CLEANING SEASON
S
It Is Time To Spring
pring isn’t just when we spring forward in time, it is also the time when we Fortunately, there’s an easy answer. Get the air ducts cleaned by a member of spring into action to clean those places that likely haven’t been cleaned at the National Air Duct Cleaners Association (NADCA). They possess general all: your heating and cooling air ducts. liability insurance, are trained and tested, agree to a code of ethics, and clean and restore your heating and cooling system following NADCA standards, so That can be a problem because that’s where dirt, germs, mold, mildew, pet they provide results with a high level of safety and security. dander and other allergens like to lurk. Learn More A six-room house can generate as much as 40 pounds of dirt, chemicals and pollutants in a typical year—which this wasn’t for many families. The For more information, visit www.BreathingClean.com. You can also find a contaminants make the heating and cooling system work harder, use more nearby NADCA member at http://nadca.com/en/prosearch/all and enter your energy and wear out faster. That can get expensive. According to the U.S. zip code. Department of Energy, 25 to 40 percent of the energy used for heating or cooling a home is wasted. -(NAPSI)