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Plan Well, Retire Well

Saving and investing your money
PINTREST pins

Son of a Breach!

With the news that JP Morgan Chase's breach of accounts was much larger than previously reported, millions of people and businesses are shaking their heads and wondering when this will all stop. It will not. Hackers have the upper hand and we mere mortals are at the mercy of those we entrust with our financial information. To be fair, the JP Morgan Chase breech...

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401k loans

401(k) Loans: Whose Advice Should You Trust?

I was stunned this week when I read a research article contending that taking a loan from your 401(k) is preferable to most other kinds of loans. That flies in the face of what we've all been told over the years. Two days later, I received my November issue of Consumer Reports Money Adviser, which had a sidebar titled Decision: Borrow from your 401(k)? And it began lik...

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Guardian

Naming a Guardian for Your Young Child

Recently I had a conversation with my sister about her estate planning. She is expecting and I was curious to know what she had planned in the event that she and her husband were to pass away. Her response floored me: she told me "That's what godparents are for." Although godparents can definitely be a potential choice for a guardian, without documentation from a will to nominate a personal gua...

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Money lost through door

Is Your Money Slipping Out the Door?

Do you have door weatherstripping that has been chewed off by a puppy? Do you have windows that don't seal completely? Perhaps you have holes going from the outside to the inside of your house from old pipes or wiring? If so, money is slipping out of your house! According to the U.S. Department of Energy, heating our homes accounts for 42% of our utility bills. If you're heating the out...

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Tax Uncertainty? Tax Diversification to the Rescue

Diversification is the first rule of investing. You knew that, right? But have you thought about tax diversification? Yep. Smart investing isn't just what you own, it's where you own it and how it gets taxed when you take it out. From a tax standpoint, you have three different types of accounts: Regular (taxable) accounts, like your checking and savings accounts and accounts with...

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woman in convertable

Three Rules for Car Buying You Should not Break….and Why I Broke Them!

Rules were meant to be broken- but not on a regular basis. Living a life according to the seemingly conservative and boring rules may not be exciting, but will enable you to weather life's storms when you must then break a rule or two to achieve your needs. I try to live a good financial live- prepared for life's little setbacks. I have some absolute rules I live by and so far that has...

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Dear 17 Year Old Me

Dear 17 Year Old Me,

Dear 17 Year Old Me, I am writing to you in 2014 and we are now 27 years old. A decade has gone by since I was in your shoes and I have some financial advice just for you. Although you may not understand it now, please believe me – I have your best interest in mind! Save Every Penny You Make Yes, save everything! Though I know I can't convince you to save e...

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