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Plan Well, Retire Well

Saving and investing your money

Saving Money is a Challenge

Saving money is a challenge. Sometimes it's helpful to have encouraging nudges and saving tips to keep us on track with our saving goals. That's why I'm happy to tell people about America Saves. Most Americans today are not saving adequately for retirement, and most lower-income households do not have adequate emergency savings for unexpected expenditures. To help encourage people to sa...

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Get a 50 to 100% return on investment. Guaranteed!

The stock market has been going gang-busters so far this year. But many people are still shell-shocked from the investment roller coaster of the last decade. Wouldn't it be a relief to have something guaranteed for a change? Here's one of the few sure things around: if your employer matches your contributions to a 401(k) or 403(b) plan, that's a guaranteed return. Maybe your employer ma...

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Swipe, Swipe ... Spending Money is Easy!

Stop by my favorite coffee shop on the way to work: swipe, debit card pays for the purchase painlessly and quickly. Quick run through the store on the way home for one item, end up with seven things in my cart: swipe, debit card pays for the purchase – no signature or counting out cash required. Where does my money go? Debit cards are wonderful for their convenience, and typically...

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Which Bills Should I Pay First?

You probably heard it on the news: the Federal Reserve Bank says that credit card debt increased in both November and December, which is a good thing for the economy. But what does it mean for you? January and February can be financially difficult months. If you charged gifts and other holiday purchases, the bills showed...

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Can making a payment on an old debt be a mistake?

To follow up on my previous post, Does Old Debt Go Away? , I wanted to let you know about a very informative article on the Federal Trade Commission's website. If you're trying to decide whether you should pay off older debt, I strongly encourage you to read this item, titled...

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