Great Money Saving Tips

Everyone wants to save money, but no one wants to change his or her lifestyle to do so. Many people think that the only way to save is to go without; Give up eating out at restaurants, stop going to the movies, stop shopping, etc. This is not the case! It is very simple to still enjoy going out, as well as save money. You just have to find ways to spend less while going out. Here are some examples:

When going to a restaurant:

· Always use coupons! I can’t stress that enough. There are many ways to find them. The Sunday paper usually has coupons for a few restaurants. Many restaurants send out coupons in the mail hoping to get you to visit them. The Entertainment Book has coupons for many restaurants. The restaurant’s own website might have a coupon that you can print out and bring in. Sometimes you will find coupons in their take-out menu. You will be able to save a few dollars just for taking a few seconds to look for a coupon.

· Share a meal. If you’re going out to dinner, many times you can get away with ordering one main course and an appetizer or salad and sharing them with your partner since the portions are so large. By splitting them, you will save a lot more then if you had each gotten your own meal, plus you will get more of a selection since you’ll get to taste both an appetizer and an entre.

When wanting to see a movie:

· If you want to go to the movies, consider going during the day, or in the early evening. These are all considered matinee showings, and you will usually pay about half of the price you would pay at night! It doesn’t sound like that big of a savings, but if you go to the movies just once a month, you can save $54 a year per person. You’ll save even more if you go more often!

· If you want to save even more money, you can rent the movie once it goes to DVD. Many websites will allow you to buy packs of 10 DVD rentals, and you will end up saving anywhere from $0.50-$1.50 per rental! This can really add up. If you rent one movie per week, you can save up to $78 a year! Also keep an eye out for coupons that allow you to rent one and get the second free.

There are many other simple things you can do to save money when going out to enjoy different forms of entertainment. For other tips like the ones you just read, see the website below.

Guidance for Retirees on Managing Investments

Financial media have put so much focus in recent years on how investors can accumulate wealth for retirement that they often have overlooked what investors should do once they actually retire.

But with the first wave of baby boomers turning 60 next year, retirees’ abilities to manage their assets will become a much bigger issue.

As financial planning becomes more complex – and as workers become increasingly responsible for funding their own retirements – investors would be wise to seek advice about navigating the retirement waters.

American Century Investments has developed an award-winning, 21-page booklet, “Manage Your Investments During Retirement,” that helps guide investors through various issues as they approach and enter retirement, including:

* building a retirement portfolio;

* managing income sources, from retirement savings to Social Security benefits;

* forecasting expenses for health care and long-term care;

* determining annuity payments and withdrawal strategies for all accounts, including taxable and tax-deferred accounts;

* calculating a withdrawal rate.

American Century also is launching additional retirement planning and investing tools for investors in all stages of retirement.

These new services will help investors develop retirement plans, invest their retirement portfolios and manage their retirement incomes. Investors can work with an experienced investment consultant or work on their own online to take advantage of these new services.

These retirement services are part of American Century’s On Plan Investing approach – providing guidance tailored to investors’ needs to help them meet their most important financial goals – available at no additional cost.