David Lerner Associates
Founded in 1976, David Lerner Associates is a privately-held broker/dealer with headquarters in Syosset, New York and branch offices in Westport, CT; Boca Raton, FL; Teaneck and Princeton, NJ; and White Plains, NY. For more information contact David Lerner Associates 877 367 5960 http://www.davidlerner.com
David Lerner Associates
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After a lifetime of diligently saving, the day when you can enjoy the retirement you’ve been planning is just around the corner. The 50s represent the stretch right before the final mile or so of a marathon.
Retirement You Ve, Lerner Associates, Final Mile, Diligently Saving, David Lerner, 50S Represent
You may be entering your peak earning years, especially if both you and your spouse are working. This could open up more financial opportunities for you than ever before..
Lerner Associates, Earning Years, Peak Earning, David Lerner, Financial Opportunities
For many people, the 30s often represent a time of increased earning potential as they start to advance in their careers and move up the corporate ladder However, this is also the time when they may have started a family and assumed the financial responsibilities this involves, such as a home mortgage, life insurance, car payments, and all of the expenses involved in raising children
Lerner Associates, Financial Responsibilities, Expenses Involved, Life Insurance, Increased Earning, David Lerner, Corporate Ladder, Car Payments, Earning Potential
If you are not an expert in the market, how do you outlast these fluctuations and feel confident that the money you’re working so hard to save will be growing steadily and will provide the comfortable retirement you’re planning for?
Lerner Associates, Money You Re, Growing Steadily, Comfortable Retirement, David Lerner, Retirement You Re
At the Forbes Under 30 Summit in Philadelphia this month a panel of young achievers spoke to more than 1,500 young women keen to learn how to get ahead.
1 500 Young, Women Keen, Lerner Associates, 30 Summit, Young Women, David Lerner, Achievers Spoke
The steps to financial stability may be a different journey for each individual, as a person’s choices will differ, but these four basic tips may help make more informed choices
Financial Stability, Lerner Associates, Informed Choices, Person S Choices, David Lerner
One of the factors to consider during Long Term Care Planning month is that some states are cutting back on funding for long-term care services. As more of the burden falls on individuals, the need for good planning is more important than ever
Long Term Care, Lerner Associates, David Lerner, Burden Falls, U.S. States, Planning Month
The purpose of this new chip is to keep thieves from easily accessing a consumer’s personal information. Banks and credit card companies have been sending their clients new cards with the chip embedded in the strip
Lerner Associates, Card Companies, Credit Cards, Consumer S Personal, Easily Accessing, David Lerner
Most American households still face stagnant wages and increasing debt. Significant or growing debt has been identified as a major cause of overall financial stress.
Face Stagnant, Growing Debt, Lerner Associates, David Lerner, Financial Stress, Stagnant Wages, American Households, Increasing Debt
The number of $10-million-plus women-owned firms increased by 57% — a growth rate nearly 50% more than $10-million-plus firms overall. The number of wealthy women in the U.S. is growing twice as fast as the number of wealthy men.
Wealthy Women, 10 Million Plus Women Owned, Lerner Associates, 10 Million Plus Firms, Women Owned Firms, Wealthy Men, Firms Increased, David Lerner, Growth Rate
The report revealed that 19 percent of American households are comprehensive planners, 38 percent are basic planners, 33 percent are limited planners, and just 10 percent do no financial planning at all.
Comprehensive Planners, 19 Percent, 38 Percent, David Lerner, 10 Percent, Basic Planners, 33 Percent, American Households
The number of U.S. businesses owned by minority women is growing faster than U.S. business in general. According to figures released recently by the Census Bureau and analyzed by the National Women's Business Council, government agency companies owned by Hispanic women rose 87 percent between 2007 and 2012, while the number of companies owned by black women rose nearly 68 percent, and the number of businesses owned by Asian women increased by 44 percent.
Women Rose, Census Bureau, Number, Businesses Owned, Women S Business
One factor that might be contributing to this inequality is the occupational differences between men and women. Another is a lack of investment in women-owned businesses. - See more at: news.davidlerner....
Lerner Associates, Occupational Differences, David Lerner, Women Owned Businesses, Factor
Baby boomers are the first generation in American history to be entering retirement saddled with debt.
Entering Retirement, American History, Lerner Associates, Baby Boomers, Retirement Saddled, David Lerner
Statistics show that women often end up single due to divorce or death. There is also the risk that the retirement funds saved by your spouse won’t last long enough – women outlive men on average by five years
Lerner Associates, Retirement Funds, Funds Saved, Outlive Men, David Lerner, Women Outlive, Spouse Won T
Along with many other freedoms college students will experience, they'll also have to manage their own finances, probably for the first time. Here are five financial lessons for college students:
College Students, Freedoms College, Finance
The loss of a spouse can be the beginning of economic hardship. That's why it's critical to organize your finances after your spouse's death and take ongoing steps to secure your financial future and that of your family.
Lerner Associates, Financial Future, Ongoing Steps, Spouse S Death, David Lerner, Finance, It S Critical, Economic Hardship
Millennial parents know what it’s like to start adult life saddled with high student loan debt - 56 percent of people aged 18 to 29 have put off major life events like getting married, purchasing a car or home, or saving for retirement, because of student debt.
Aged 18, Student Loan Debt, Life Saddled, High Student, Lerner Associates, Adult Life, David Lerner, 56 Percent, Life Events
We believe in something that we call the ‘sensible middle ground of investing’ - investments based on things that we feel have value, and while not guaranteed, are designed to regularly pay dividends or interest,
Middle Ground, Sensible Middle, Lerner Associates, Regularly Pay, Pay Dividends, David Lerner, Investments Based
Every child of college age has some basic understanding of money and finances. Since their first day at school they’ve known about the need for things like lunch money or after school snacks.Now that’re heading off to college they need more knowledge as they’ll be on their own and handling their own finances, probably for the first time.
School They Ve, Finance, College Age, School Snacks Now
Growth in the older age group has changed the face of the U.S. workforce. many Americans over 55 are not prepared for retirement - nearly 29 percent have neither retirement savings nor a traditional pension plan. news.davidlerner....
Older Age, Face, Retirement Savings, Lerner Associates, David Lerner, 29 Percent, Traditional Pension, Age Group
The average student loan has doubled in the past 20 years There are ways to graduate debt free.
Debt Free, Loan Reform, Lerner Associates, Average Student, David Lerner, Graduate Debt, 20 Years
More than 20 million young Americans are headed off to college this month. According to the 2015 Sallie Mae How America Pays for College report, a national study of college students and parents, families spent on average $24,164 for college in the academic year 2014-2015 -a 16 percent increase from the year before. This is the first significant increase in this study in the past five years.
Average 24 164, 16 Percent, College Report, College Students, America Pays, 2015 Sallie, Academic Year
Studies show that the retirement age in America in creeping upward as many seniors choose to keep working longer. The easing of Social Security restrictions on earning income has also contributed to the trend of retirees who stay in the labor market to supplement their income and secure their lifestyle later in life.
Security Restrictions, Lerner Associates, Earning Income, David Lerner, Social Security, Creeping Upward, Retirement Age, Seniors Choose
Women are just as liable to risks to their life, their health, and their assets as anyone else and while it’s impossible to avoid all risk you can take steps to guard against resulting financial losses. Insurance is the primary way to provide needed protection.