Robert Harding Financial Group's Loose Change Newsletter

Robert Harding Financial Group

18301 North 79th Avenue D-149, Glendale, AZ 85308

Phone: 623-977-9823

Fax: 623-977-0181

Toll Free: 800-977-9823

WE OFFER INDEPENDENT UNBIASED NO-STRINGS-ATTACHED

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November/December 2024

Time is on Your Side

Millennials face challenging financial obstacles, including high student loan debt and a difficult entry into an expensive real estate market. However, they have one advantage that older generations never have: Time is on their side. If you're a Millennial, consider how you can find the money needed for long-term financial goals even with other financial obligations.

Budget-Saving Holiday Travel

Americans usually travel during the holidays, and even with thoughtful planning, it can cost more than a few dollars. Here's how to save money on the ground and in the air.

Post-Holiday Shopping Deals

If you want to score big on bargain-priced goodies, one of the best times to buy is right after the holidays. Here's how to rack up significant savings as you start next year's holiday shopping.

U.S. Citizens Give Generously

Americans gave an estimated $557.16 billion to U.S. charities in 2023, according to Giving USA 2023: The Annual Report on Philanthropy for the Year 2023 (from the Giving USA Foundation, the Giving Institute, and the Indiana University Lilly Family School of Philanthropy). The total includes charitable contributions made by individuals, estates, foundations, and corporations.

The Gift of Life Insurance

In this season of giving, some people want to give more to a favorite charity or organization but don't have the funds to do so. Giving the gift of life insurance is a cost-efficient way to increase your charitable giving.

Christmas Gifts Most Desired by U.S. Consumers in 2023

Looking at last year’s survey may help you with ideas for gift-giving this year.

Five Credit(able) Steps to a Higher Credit Score

Your credit score is often the driver when looking for the best deal on a credit card or auto loan. Here are some steps to help increase your credit score:

Investing Missteps to Avoid

A disciplined investing strategy, whether for a child's college costs or your retirement, can help you potentially grow your savings over time. However, success depends partly on avoiding obstacles that can trip you up, and understanding uncertainty is always a part of investing. When investing for the long haul, beware of these obstacles.

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Robert Harding Financial Group and LTM Marketing Specialists LLC are unrelated companies. This publication was prepared for the publication’s provider by LTM Client Marketing, an unrelated third party. Articles are not written or produced by the named representative.

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