This account is pending registration confirmation. Please click on the link within the confirmation email previously sent you to complete registration.
Need a new registration confirmation email? Click here
See Cramer's multi-million dollar portfolio for FREE and get his new book Get Rich Carefully! Learn More

6 Things To Do Since The World Didn't End





If you are reading this, the Mayans were wrong.

Well, perhaps not the Mayans -- there is scant evidence they believed the end of their calendar would beget an apocalypse. But anyone who interpreted that calendar to mean that the world would end on December 21, 2012 certainly got it wrong.

Now what?

The world not ending is wonderful news, of course. It means we get to experience the joys of this planet a little longer. But with all that enjoyment comes responsibility. Here are six things you may not have gotten around to yet, but that you really should handle now that world will go on:

  1. Set up a long-term financial plan. Or, if you already have one, update it. Too many Americans save for retirement in a random, haphazard manner. It's a little like driving a thousand miles with no idea where you are going. You might not like where you find yourself in the end.
  2. Review your telecommunications services. Few aspects of day-to-day life have changed more in the past 20 years than telecommunications. The Internet has radically altered how people spend their leisure time, and the convergence of cable television and telephone services means that there are new and more competitive packages of services available. Add to that the redundancy of land lines in many cases, and it's clearly a good time to rethink your telecommunications services. Matching what you receive with what you use and finding the most competitive package could save you a hefty sum of money.
  3. Update your will and related documents. Things change, such as financial resources, your family's needs, and your health. When they say "Last Will and Testament," they don't mean it's the last time you should ever review it and make changes.
  4. Shop your insurance. When you add up what you pay for life insurance, auto insurance and home insurance over the course of the year, you'll probably find it's one of the biggest expenses in your budget. That plus the fact that premiums are based on a number of dynamic factors make insurance a prime candidate for regular reviews.
  5. Shop your bank business. Rates on savings accounts have all but disappeared, and fees on checking have risen. The only way to fight these trends is to shop for a better deal now and then.
  6. Adjust your CD terms. While you are looking at bank issues, think about whether you have a CD that you've let roll over automatically again and again. Ordinarily, if you are doing this with a short-term CD it would mean you could probably do better with a longer-term CD. Now though, with even long rates below 1 percent, it's rolling over long CDs that you might want to guard against. Do you really want to be locked in for five years at these rates?

So the good news is that the world didn't end. The bad news is you may have some work to do to secure your financial future -- now that there is going to be a future.

null

Select the service that is right for you!

COMPARE ALL SERVICES
Action Alerts PLUS
Try it NOW

Jim Cramer and Stephanie Link actively manage a real portfolio and reveal their money management tactics while giving advanced notice before every trade.

Product Features:
  • $2.5+ million portfolio
  • Large-cap and dividend focus
  • Intraday trade alerts from Cramer
  • Weekly roundups
TheStreet Quant Ratings
Try it NOW
Only $49.95/yr

Access the tool that DOMINATES the Russell 2000 and the S&P 500.

Product Features:
  • Buy, hold, or sell recommendations for over 4,300 stocks
  • Unlimited research reports on your favorite stocks
  • A custom stock screener
  • Upgrade/downgrade alerts
Stocks Under $10
Try it NOW

David Peltier, uncovers low dollar stocks with extraordinary upside potential that are flying under Wall Street's radar.

Product Features:
  • Model portfolio
  • Stocks trading below $10
  • Intraday trade alerts
  • Weekly roundups
Dividend Stock Advisor
Try it NOW

Jim Cramer's protege, David Peltier, identifies the best of breed dividend stocks that will pay a reliable AND significant income stream.

Product Features:
  • Diversified model portfolio of dividend stocks
  • Alerts when market news affect the portfolio
  • Bi-weekly updates with exact steps to take - BUY, HOLD, SELL
Real Money Pro
Try it NOW

All of Real Money, plus 15 more of Wall Street's sharpest minds delivering actionable trading ideas, a comprehensive look at the market, and fundamental and technical analysis.

Product Features:
  • Real Money + Doug Kass Plus 15 more Wall Street Pros
  • Intraday commentary & news
  • Ultra-actionable trading ideas
Options Profits
Try it NOW

Our options trading pros provide daily market commentary and over 100 monthly option trading ideas and strategies to help you become a well-seasoned trader.

Product Features:
  • 100+ monthly options trading ideas
  • Actionable options commentary & news
  • Real-time trading community
  • Options TV
To begin commenting right away, you can log in below using your Disqus, Facebook, Twitter, OpenID or Yahoo login credentials. Alternatively, you can post a comment as a "guest" just by entering an email address. Your use of the commenting tool is subject to multiple terms of service/use and privacy policies - see here for more details.
DOW 16,385.92 +123.36 0.76%
S&P 500 1,857.53 +14.55 0.79%
NASDAQ 4,075.1360 +40.9750 1.02%

Brokerage Partners

Rates from Bankrate.com

  • Mortgage
  • Credit Cards
  • Auto
Advertising Partners

Free Newsletters from TheStreet

My Subscriptions:

After the Bell

Before the Bell

Booyah! Newsletter

Midday Bell

TheStreet Top 10 Stories

Winners & Losers

Register for Newsletters
Top Rated Stocks Top Rated Funds Top Rated ETFs