First, Sheila made some blocks for Lincoln. They turned out great.Second, with Lincoln on the way and after hearing one side of a phone conversation between Sean and Sheila, I want to suggest something to all of the families. Putting money away for your retirement should be started immediately. I know all of you have different incomes and expenses and I am not telling you what to do with your money. However, starting a retirement account when you are young(ish) is smart because you will save a lot more money in the long run. You can save a lot of tax money by using a pre-tax IRA and not even miss the money from your check!
I have been working with a financial adviser for about 10 years. The first year he charged me $400 and invested some money in pre-tax accounts, thus saving me close to $600 in taxes, saved money on my car insurance, gave me 2 free tickets to the Saturday round of the Memorial golf tournament plus hospitality suite (worth roughly $250), and invested my tiny savings into a much better mutual fund that had a higher return. I know the golf tickets were a fluke and my situation was not typical but he saved me money. He now talks to Sheila and I about 3 times a year and is available other times, if we need him. His name is Marc D. Arnold and he works for Ameriprise Financial in West Virginia. His number is 304-352-8200. Call him and tell him I sent you. If you don't want to talk to him go to your local bank or find another financial adviser to talk to. The first contact is free and they can tell you if they can help you or not. You may be surprised at how easy it is to save some money FOR YOU OR YOUR KIDS. Best of luck everyone.
Do it!
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