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Financial and Travel Advisor Michele Kief

July 17, 2016
 
It is true that Michele Kief’s primary profession is as a financial adviser. She has a strong passion for assisting clients meet their financial needs and helping them build a strong financial future. Her practice is something of a holistic wealth management process in which she assists you with selecting those individual investments that best meet your needs and which also help create a solid retirement plan.

Michele Kief can do this because, since 1999, she has developed a strong network and has access to a wide variety of resources, such as research analysts and economic and market experts. It is the experience and knowledge gained from helping thousands of people plan for their retirement that gives her a unique ability to make informed investment decisions on her clients’ behalf that meets their own unique needs.

Unlike many investment advisors, however, Michele Kief is an avid traveler and likes to show clients how they can live their best life now by traveling and saving money that they can put toward their future. One of her best travel tips is showing clients how to use the Internet and mobile apps to take a great trip at a price that won't break the bank, even at the last minute. She can save you now and help you save for the future, too.

Michele Kief and Flight Tips for Cheaper Travel

April 28, 2016
 
Michele Kief is a blogger, financial advisor and avid traveler. She offers an array of services in her financial investment business, from assisting you to select individual investments to building a retirement plan. With access to research analysts and economic and market experts, amongst other resources through her company, Michele Kief helps her clients to make informed investment decisions centered on their unique investment needs. Michele Kief, in addition to her financial advisement, also has a passion for showing people how to take their desired vacations and save money at the same time.

Some travel tips she likes to share with clients are things like flight booking tips like planning in advance of visiting. Utilizing discount websites for advance booking, while these may charge a service fee of roughly $5, they can combine flight segments from different airlines much more easily than doing it yourself and still find you a great deal. Also, while it may seem like connecting flights are a drag, it can save you a good amount of money. When booking your flight, truly consider the pros and cons. Perhaps the financial difference can be spent on better lodging. A final flight tip is to always buy a round trip ticket and then you don’t have to use the return flight. One way tickets are often more expensive than the ticket that includes a return flight, so make use of that fact.

Tips to maximize your finances

January 03, 2016
 
Whether you are wealthy or just getting by, you can benefit from maximizing your finances. Here are a few tips to help you do just that.

Retirement saving
It's becoming less and less likely that you can count of the government or your employer to take care of you financially after you retire, so it's important you prepare to do so yourself. While the average person can't afford to max out retirement accounts to the levels allowed, it's important to do one thing at a minimum: contribute enough to your defined contribution plan to get any matching contributions offered by your employer. If you fail to do so, you are throwing away free money.

Emergency fund
Next to retirement funding, your other big savings goal should be putting together an emergency fund. This should be kept in an after-tax account, preferably one where your principal is protected and you have immediate and easy access to the money. Many experts recommend saving at least six months' worth of salary or expenses, but this isn't realistic for most people. Shoot for at least one month's worth, three if you can.

Minimize debt
There are very few situations in which you should take on debt. A house is an investment considered worth debt, as are education and starting a business. Otherwise, you should avoid it. At the very least, avoid racking up debt on credit cards, which carries high interest rates and is difficult to pay off at the minimum payment required.

Minimize taxes
Though taxes are a necessary part of life, you should avoid paying more than you have to. Take all deductions and credits to which you are entitled and take advantage of all options for tax-deferred savings, including retirement savings, healthcare savings and others.

Following these tips will help you get the most out of your financial situation, whether you are a millionaire or live paycheck to paycheck.