Most people hire a skilled plumber to install water pipes and a certified electrician to do electrical wiring. Then why do few people hire a financial planner to help maintain and grow their assets? When it comes to finances, many Americans are either ill informed about financial plans or simply do not know who to […]
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Retirement plans: Save now, play later
While many retirement plans have unusual names such as 401K, 403B, or SEP (Simplified Retirement Pension), they all have one thing in common. Placing money in the plans early in your career can help lead to a more financially stable retirement. “The long term benefit is that you increase your likelihood of having a comfortable […]
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CONSUMER INFORMATION: Here today, gone tomorrow
Many of us have seen these ads online, on TV, and in newpapers: “Job placement – Guaranteed!” or “Interview Today. Start Tomorrow.” When we’re out of work, an ad promising a job starts to look really good. But what happens if we follow through with a click or a call? Do we get that “guaranteed” […]
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Thinking about starting a business?
Starting your own business can be an exciting and rewarding experience. It can offer numerous advantages such as being your own boss, setting your own schedule and making a living doing something you enjoy. But, becoming a successful entrepreneur requires thorough planning, creativity and hard work. Consider whether you have the following characteristics and skills […]
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How to make the most of your money
Start with these four savings fundamentals and complete them in order. 1 Contribute to your company’s retirement plan up to the maximum employer match. Even if money is tight and you have multiple priorities, make it your first goal to contribute at least enough money to get all the matching funds your company offers. 2 […]
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Make saving a habit
Once you’ve gone through the budgeting process and understand where your money goes every month, it’s time to start thinking about saving for the future. People who learn to save money when they are young have a valuable headstart. But no matter where you are in life, it’s never too early or too late to […]
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Avoiding debt problems with credit cards
Avoiding debt problems with credit cards Only spend what you can afford. Know your credit limit. Be sure to only spend what you know you can repay — on time and preferably in full — regardless of how high your credit limit is. Reach out for help if you are struggling with debt. If you […]
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What to know before you click and send that money
When it comes time to pay the babysitter or reimburse a friend for lunch, most people use cash or write checks. But an increasing number of others instead turn to their computer or smartphone to make a person-to-person or “P2P” payment. P2P payments can be convenient, but there are potential costs and risks, in areas such as the privacy of your personal information. FDIC […]
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Real estate investing for beginners
On the heels of a recession that saw home values drop, many would-be investors have shied away from buying investment properties. But real estate has historically remained a sound investment, boasting a long-term appreciation rate that makes it a worthwhile investment for those who can withstand temporary setbacks in housing prices and hold on to […]
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Saving tips for single moms
Life as a single mother is not easy. In addition to the challenge of raising a child without another parent in the household, single mothers face many of the same challenges faced by married parents, only they must do so on just one income. Single parents often find themselves looking for ways to save money, […]