The Joy of Financial Security

Articles by the Author

Are We Experiencing Déjà Vu?

Are We Experiencing Déjà Vu? 5066 3452 Donna Skeels Cygan

Can We Learn from Past Financial Corrections? I wrote this article on 2-28-23, which was 10 days before the failure of Silicon Valley Bank. It appeared in the Albuquerque Journal…

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The Nitty Gritty of Roth IRA Conversions

The Nitty Gritty of Roth IRA Conversions 1000 753 Donna Skeels Cygan

Illustration by Cathryn Cunningham/ Albuquerque Journal Roth IRAs offer many benefits over traditional IRAs. I have written previous articles, encouraging readers to build their Roth IRAs through contributions or conversions.…

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Ditch the Budget in 2023

Ditch the Budget in 2023 1000 776 Donna Skeels Cygan

Illustration by Cathryn Cunningham/ Albuquerque Journal Many people are intimidated by finances; they can’t see a way to a financially secure future. Today’s article will teach you how to make…

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Plan Now for a Joyful Holiday

Plan Now for a Joyful Holiday 1359 686 Donna Skeels Cygan

The holidays are coming! Whether you celebrate Hanukkah, Christmas or Kwanzaa, the December holidays are just around the corner. For many, the hustle and bustle of the holidays is stressful…

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Is a Roth Conversion Wise for You?

Is a Roth Conversion Wise for You? 2560 1794 Donna Skeels Cygan

My last article covered the “sunsetting” on Jan. 1, 2026, of many of the provisions of the Tax Cuts and Jobs Act, which went into effect on Jan. 1, 2018.…

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Will you be ready for tax changes in 2026?

Will you be ready for tax changes in 2026? 1000 725 admin

The “Tax Cuts and Jobs Act” was passed by Congress and signed by former President Donald Trump in December 2017. The tax law changes went into effect in January 2018.…

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Establishing good financial habits is within grasp

Establishing good financial habits is within grasp 1157 788 Donna Skeels Cygan

We are in the dog days of summer. The days are often sweltering, we desperately need rain, and we’re wary as a new variant is causing COVID-19 cases to increase.…

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Find the silver lining in Wall Street turmoil

Find the silver lining in Wall Street turmoil 1167 775 Donna Skeels Cygan

The U.S. stock market is having a bad year. It may turn around before year-end, but the S&P 500 index is currently down 20% (Jan. 1 to June 28), and…

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Invest your money where it will bring you joy

Invest your money where it will bring you joy 1983 1763 Donna Skeels Cygan

*Illustration by Donna Grethen / Albuquerque Journal Money is a powerful tool in our society. It allows us to pay for basic needs like our rent or mortgage, groceries, utilities,…

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How to find a financial advisor

How to find a financial advisor 833 606 admin

Selecting a financial adviser is not easy, and consumers often do not know what to ask. So, let’s tackle some of the important questions. I recommend you interview several potential…

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