ADVICE- WHO NEEDS IT?

Back when I was a youngster, things were way less complicated when it came to choosing hunting and fishing gear, largely because most of us only owned one shotgun or one deer rifle or one rod and reel.

Avoid Tapping into Retirement Savings Early

If you want to make a big purchase, such as a new car or a piece of property, or you were faced with a large, unexpected expense, such as a major home or auto repair, would you have the funds readily available? If not, you might look at what may be your biggest pool of money — your 401(k) or IRA.

OUTDOORS

I guess I can blame it on my roots, my desire to procure fresh pork when the weather gets cold and the sky clear. Back in the late fifties when I was a youngster growing up in very rural Red River County in northeast Texas, my dad would pick a cold, clear day and designate it ‘Hog Killin’ day.

FINANCIAL FOCUS

As you save for retirement, you’ll want to take full advantage of the investment vehicles available to you — and one of the best is a Roth IRA. But what sets it apart from other accounts?

The Perks of Playing Bingo

By the time you read this, it will be shockingly close to Christmas. I hope some things have come to fruition by then. I hope I’m finished Christmas shopping. I hope I’ve figured out a solid porch decoration plan. Lord knows the things I envisioned haven’t developed accordingly.

What Is Love?

“I think love is being kind, helpful and caring for others,” says Patrick, 7. “I once showed love for my mom when I agreed to go to her favorite restaurant after I tasted their food.” That’s really love. I think I’ve eaten at the same restaurant.

How to Host the Holidays Affordably

StatePoint From getting your home ready for guests and finding the perfect gifts to preparing a delicious meal, the holidays can seem overwhelming and expensive – but they don’t have to be. Take the following steps to save time and money on seasonal essentials.

Ask Aunt B

B Dear Aunt B, I am really really tired. I hate to be a real downer but I am so tired I don’t know what to do. Can you give me some advice on how to turn this around? I have not taken care of myself for a really long time. Please tell me it is not too late.

Want to Achieve Your Goals? Write Them Down

StatePoint If you have a big idea, goal or dream about helping others, writing down your vision can help. Studies show you’re 42% more likely to achieve your goals if you write them down. Take it from Marcy Bursac.

FINANCIAL FOCUS

If your children are grown and your mortgage is paid off, do you still need to carry life insurance? It depends on your situation, but for many people, a cashvalue life insurance policy, such as whole life or universal life, can be a valuable, taxefficient source of retirement income.