Current performance may be lower or higher than the performance quoted. Investment return and principal value will fluctuate so that shares, when redeemed, may be worth more or less than their original cost. The performance data contained herein represents past performance which does not guarantee future results. In no event shall SS&C be liable for any indirect, special or consequential damages in connection with subscriber's or others' use of the content.Īsset allocation, diversification, and rebalancing do not ensure a profit or protect against loss in declining markets. Before acting on any recommendation in this material, you should consider whether it is in your best interest based on your particular circumstances and, if necessary, seek professional advice.īecause of the possibility of human or mechanical error by SS&C or its sources, neither SS&C nor its sources guarantees the accuracy, adequacy, completeness or availability of any information and is not responsible for any errors or omissions or for the results obtained from the use of such information. This material does not take into account your particular investment objectives, financial situations or needs and is not intended as a recommendation, offer or solicitation for the purchase or sale of any security, financial instrument, or strategy. The information contained in this material does not constitute advice on the tax consequences of making any particular investment decision. Past performance does not guarantee future results. Any assumptions, opinions and estimates are as of the date of this material and are subject to change without notice. The opinions and views expressed do not necessarily reflect the opinions and views of Merrill or any of its affiliates. The material was authored by a third party, DST Retirement Solutions, LLC, an SS&C company ("SS&C"), not affiliated with Merrill or any of its affiliates and is for information and educational purposes only. Not responsible for any errors or omissions. Reproduction in whole or in part prohibited, except by permission. Compare the benefits and costs of stay-at-home parenting with paying for child care. Think about how your income might change if you, your spouse or both of you choose to reduce your work hours.Also consider the need for new clothing as the baby grows diaper services or supplies laundry and dry cleaning and potential new expenses for child care, babysitting and preschool. Paying for baby food and medical care can increase your monthly spending prepare to cover any copays for visits to the pediatrician, for example. Factor in the costs for any home renovations you may want, like a nursery room or upgraded bathroom. To be baby-ready, you'll need a crib, changing table, car seat, carriage, food prep equipment, infant clothes and more, so budget accordingly.Insurance coverage varies widely, so check with your health care provider or human resources office about any copayments, coinsurance and deductibles you can expect, as well as your insurance coverage and reimbursement policies. Make sure that you'll be able to cover any out-of-pocket expenses for prenatal and maternity health care, for example. The medical costs of bringing a new life into the world can add up, so plan ahead and budget for them.
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