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Plan Well, Retire Well

Saving and investing your money

Stop Overshopping

Do you overshop? I came back from the Association for Financial Planning and Counseling Education's conference energized and excited about everything I learned. One of the best presentations was about stopping overshopping. Dr. April Lane Benson spoke about the difficulties people have with overshopping. With...

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Be Thankful for What You Have: Monitor Your Spending During the Holidays

The holiday season is upon us. Believe it or not, Thanksgiving is here and Christmas, Hanukkah, and Kwanzaa are right around the corner. This is usually the time that some of the most sensible people throw caution to the wind and charge it! Amidst all the joyous festivities, many unfortunately rack up a ton of debt. In case you didn't know, on average it takes about nine years to pay off a $100...

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More about risk tolerance and risk capacity

I've come across a couple of different articles this week about risk tolerance and risk capacity, after writing my blog post last week. (Maybe it's the same phenomenon as when you learn a new word that you think you've never heard before. But then you hear it 5 more times in the next week.) The November issue of Money Magazine has an informative article,...

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Risk Tolerance and Risk Capacity: What's Yours?

Risk tolerance is a word that gets thrown around quite a bit when you read about investing. I think it's helpful to differentiate risk tolerance (your emotional reaction to risk) from your risk capacity (your financial ability to handle investment risk). You're talking about risk tolerance when you ask questions like, "What would I do if the value of my investments dropped 30%?" You're...

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