In a nation that debates nearly everything, this topic creates almost no disagreement. Americans aren’t saving anywhere near enough for retirement, setting the stage for a potentially dreary time ahead for many when they reach the closing act of their lives. In fact, a study by the Economic Policy Institute found that almost half of American families have no retirement-account savings at all. While the widespread-savings shortfall is a given,…

Plenty of things can kill the romance in a relationship. But traditionally, money and all the complications that come with it sit near the top of the list. “I’ve worked with hundreds of married clients and have seen a lot of spending habits over the years, both good and bad,” says Dan Carter, an Investment Advisor Representative for Safeguard Investment Advisory Group (www.safeguardinvestment.com). “There’s no doubt that when the numbers…

The hardest thing about upward mobility – the so-called American dream – is attaining it. Perhaps the second hardest thing is this: Once you’ve risen from a hardscrabble upbringing and gained financial success, how do you pass the traits that helped get you there – hard work, accountability, passion and discipline – on to your children? The natural inclination is to give them all the things you never had –…

The Consumer Guide to Dentistry lists eight different components of a smile, practically from ear to ear, beginning with the frame (lips) and ending with the buccal corridor (that’s the dark space between the corners of the mouth and the upper teeth, for those who might not know). While smiling might seem like a complicated process, especially when you consider that it takes anywhere from 11 to 17 muscles just…

Everyone’s goal in the world of investing is a secure financial future. But it could be that your security, as well as your bottom line, is being victimized by the deadbeat of the financial world, “lazy money.” “‘Lazy’ money is money that just sits there, not really working for you the way it can and should,” says Alexander Joyce, president and CEO of ReJoyce Financial (http://www.ReJoyceFinancial.com). “And it’s money that…

The secret to parenting is not what you think. It isn’t patience, or planning. It isn’t humor or handiness. It isn’t even the ability to trudge through consecutive days on next to no sleep. (Though all of these things are great.) Nope, it’s a little something called OurPact. OurPact is a parental control app that has absolutely transformed my home and my family. It makes sure my kids get a…

Consumers determined to make environmentally friendly decisions whenever possible – even with beauty products – usually find that compromises are in order when they want to change the color of their hair. Opt for natural ingredients only and the color is temporary – and may not be the result you’re looking for, especially in terms of grey hair coverage. Choose a permanent dye that’s mass produced for at-home use and…