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Successful business owners may have their company finances accounted for down to the last penny. They know what’s coming in to the business and what is going out. When they start to make money and the business begins to flourish, they may feel like they’re set. But the truth is, many times, they’ve never even looked at their personal finances.
Losing a spouse may be one of the most difficult experiences you’ll ever have in life. No one is ever ready for the emotional and physical toll it can take on your body. In the midst of grieving, many times, the surviving spouse is faced with countless financial decisions and unexpected expenses that must be dealt with right away.
In a recent survey by JumpStart Coalition for Financial Literacy, only 26 percent of those between the ages of 13-21 said that they had been taught how to manage money. Yet, when they turn 18, kids are signing contracts for student loans, opening credit card accounts, and in many instances, living away from home with little financial guidance available.
We all have our own unique way of handling our finances. While some of us are natural born savers, others may have a hard time making it to the next paycheck. Fortunately, most of us fall somewhere in-between, putting away money at times, while making frivolous purchases at other times.
Defined benefit pension plans, which supply retirees with regular payments from their employer when they retire, are a critical piece of many petrochemical employees’ retirement plans. Although the number of companies that offer pension plans has declined in the past several decades, many employers in the petrochemical industry continue to offer pension plans for all full-time employees.