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Plan Well, Retire Well

Saving and investing your money
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Don't risk a lot to save a little. Or said a different way, stupid ways you can waste your money!

"Don't risk a lot to save a little." That simple phrase has stuck with me through many years since I learned it while studying for my Certified Financial Planner designation. It was one of three basic principles of risk management. (I've forgotten the other two.) The idea is, don't try to save a nickel when that decision might end up costing you $10. Over the years, I have often thought...

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The Student Loan Chronicles

Student Loans. As a financial educator and millennial, I am one of the hundreds of thousands of individuals who have student loan debt. Most of the debt was my choice, but the ramifications of my choice never fully hit me until I had to start paying them back. Over the next few months, I'm going to take a peek behind the curtain of student loans. I'm going to interview friends who were...

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5 Awesome Ideas to Stretch Your Dollars!

Do you want to get the most bang for your buck?  Of course you do! We all know there are only so many dollars in our paycheck and an endless number of opportunities to spend those dollars.  Being creative and very conscious of your spending goes a long way to stretching your dollars. Check Your Bills Carefully When was the last time you looked carefully at each...

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1040-es

I thought I hated estimated taxes. But maybe I don't.

Over the past several years, my tax prep software has often said that I should file estimated taxes. You know, those pesky payments that you send to the IRS four times during the year so that you pay enough in advance to not be hit with an underpayment penalty when you file? I always saw estimated taxes as a bother and a detail that I just didn't want to deal with. Who needs to keep tra...

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Celebrate April: Taxes, Money Smart Week, Financial Literacy Month!

With the hint of spring in our gardens, I feel like we're moving out of the slow-moving pace of winter into the season of festivals, events and outdoor activities. On top of all these activities, April is National Financial Literacy Month, taxes are due, and Money Smart Week returns to our communities during the last week! As you can imagine, my calendar is filling up – maybe you'd like to add...

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Tax brackets 2016

What Can You Learn from Your Tax Return?

President Trump's tax returns have been front-page news this week. Perhaps it's a good reminder that we should each take a look at our own tax returns to see what we can learn from them. Here are some questions you might want to ask. Be sure to read to the end, where I list some of the actions you can take right now. How much of your income avoided income tax?...

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Wedding Season is coming... is your wallet ready?

Ah, wedding season. The time of the year when we celebrate the love of two people to be bound legally together. Whether you're in the bridal party, parent, grandparent or friend... weddings these days can be costly! According to The Knot's 2016 Real Wedding Study, the average wedding costs $35,329 dollars (and that doesn't even include the honeymoon!) Even attending a wedding as a guest can g...

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