Viking Magazine - January 2019 - 10

Finance
Having the right insurance is vital for
your family's financial health. Find out
what life insurance is provided by your
employer. After you have added up how
much replacement income your family
needs to maintain its standard of living
without you, consider a separate policy
for additional coverage.
It's smart to have an additional policy
that is separate from your employer in
case you change jobs in the future. If you
are working full time, you may be able to
afford a permanent policy that allows you
to build cash value and is in force your
entire life.
Taking Care of Business
Whether you work for a company, yourself or are a stay-at-home
parent, prepare for retirement and protect your family on your terms.
If
you're like most people, you're probably dreaming of a happy
and secure retirement. But how you get there can depend on a lot
of factors. Over the course of your career, your savings and insurance
strategies can change with your employment situation. Here are some
smart financial moves to consider when planning for a secure retirement.
If you work... Full time for a company
Learn all you can about your employer's retirement savings plan, which is
often a 401(k), named after the subsection of the Internal Revenue Code
where it is defined. It lets workers save and invest part of their paycheck
up to $19,000 a year (up to $25,000 if 50 or older) before taxes. You
don't pay taxes until the money is withdrawn.
A great tip is to save as much as possible and try to increase that amount
each year, especially as you enter your peak earning years. Get in the
habit early in your career, so you can benefit from compounding interest
over time. Putting enough money in your 401(k) will allow you to take
advantage of the company match.
10 VIKING JANUARY 2019 sonsofnorway.com
If you're... A stay-at-home parent
The decision to stay at home with your
children can be a difficult one. It's an
honorable choice to be with your children
while they are young, and the decision
to exit the workforce can be emotional.
Since it may be a temporary decision, it's
important to keep your finances in order
while you are at home raising children.
Stay-at-home parents should consider
opening a spousal IRA. No personal
income is needed. As long as one person
in the household has income and you
file a joint tax return, you qualify. A
traditional IRA is tax-deferred, which
means you don't pay taxes on the money

http://www.sonsofnorway.com

Viking Magazine - January 2019

Table of Contents for the Digital Edition of Viking Magazine - January 2019

Contents
Viking Magazine - January 2019 - Cover1
Viking Magazine - January 2019 - Cover2
Viking Magazine - January 2019 - Contents
Viking Magazine - January 2019 - 4
Viking Magazine - January 2019 - 5
Viking Magazine - January 2019 - 6
Viking Magazine - January 2019 - 7
Viking Magazine - January 2019 - 8
Viking Magazine - January 2019 - 9
Viking Magazine - January 2019 - 10
Viking Magazine - January 2019 - 11
Viking Magazine - January 2019 - 12
Viking Magazine - January 2019 - 13
Viking Magazine - January 2019 - 14
Viking Magazine - January 2019 - 15
Viking Magazine - January 2019 - 16
Viking Magazine - January 2019 - 17
Viking Magazine - January 2019 - 18
Viking Magazine - January 2019 - 19
Viking Magazine - January 2019 - 20
Viking Magazine - January 2019 - 21
Viking Magazine - January 2019 - 22
Viking Magazine - January 2019 - 23
Viking Magazine - January 2019 - 24
Viking Magazine - January 2019 - 25
Viking Magazine - January 2019 - 26
Viking Magazine - January 2019 - 27
Viking Magazine - January 2019 - 28
Viking Magazine - January 2019 - 29
Viking Magazine - January 2019 - 30
Viking Magazine - January 2019 - 31
Viking Magazine - January 2019 - 32
Viking Magazine - January 2019 - 33
Viking Magazine - January 2019 - 34
Viking Magazine - January 2019 - 35
Viking Magazine - January 2019 - 36
Viking Magazine - January 2019 - 37
Viking Magazine - January 2019 - 38
Viking Magazine - January 2019 - 39
Viking Magazine - January 2019 - 40
Viking Magazine - January 2019 - 41
Viking Magazine - January 2019 - 42
Viking Magazine - January 2019 - 43
Viking Magazine - January 2019 - 44
Viking Magazine - January 2019 - 45
Viking Magazine - January 2019 - 46
Viking Magazine - January 2019 - Cover3
Viking Magazine - January 2019 - Cover4
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