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6 Keys to a Comfortable and Happy Retirement

By Michael Lewis

retirementGene Perret, the comedy writer for such popular television shows as “All in the Family,” “Three’s Company,” and “The Carol Burnett Show,” once said of retirement, “It’s nice to get out of the rat race, but you have to get along with less cheese.” Almost everyone looks forward to that time when they can sleep as late as they want, spend their days traveling or playing golf, and opining about the state of the civilization.

But the responsibility for a comfortable retirement rests almost completely on the shoulders of the individual worker. Government programs like Social Security and Medicare provide a minimum level of income and healthcare costs to recipients – but those benefits are intended to be supplemented with employer benefits and private savings.

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4 Health Benefits of Trampoline Exercises – How to Choose the Right One

By Laura Williams

trampolineTrampolines aren’t just for kids. The repetitive bouncing motion of trampolining actually has many health benefits that make it appropriate for people of all ages and almost all health statuses.

The trick to getting the most out of a trampoline is choosing – and using – a trampoline that’s most appropriate for your needs and living situation. Consider the health benefits of trampolining as well as your goals, budget, and space to find (and get inspired to use) the right one.

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What Is Conscious Capitalism – Definition, Social Responsibility in Business

By Michael Lewis

capitalismThe idea that a growing economy benefits all classes has a long history of acceptance. It has been embedded in political rhetoric for the past half-century, regardless of party – in fact, John F. Kennedy is credited with the saying, “A rising tide lifts all boats.”

The theory – popularized as “trickle-down economics” – presumes that economic policies that help the wealthy eventually benefit everyone. It’s led to federal legislation reducing taxes on the wealthy and easing corporate regulation, as well as Supreme Court decisions increasing the legal rights of corporations, bringing them in near-parity with natural beings.

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USAA Cash Rewards American Express Card Review – 2.25% Cash Back on Gas & Groceries

By Christina Majaski

usaa cash rewards amexBoth the USAA Rewards American Express Card and the USAA Cash Rewards American Express Card feature programs that award points for gasoline and grocery purchases. The primary difference between them is the rewards themselves. When you make purchases with the Rewards American Express card you earn points, and with the Cash Rewards card, you receive cash back.

If you are a servicemember of the U.S. armed forces – or are related to one – the many benefits offered by the USAA Cash Rewards American Express may be right for you.

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USAA Cash Rewards World MasterCard Review – 1.25% Cash Back on All Purchases

By Christina Majaski

usaa cash rewards mastercardSimilar to the USAA World MasterCard, the USAA Cash Rewards World MasterCard rewards all purchases at a flat rate. This frees you from specific spending categories and allows you to earn rewards on everything you buy. However, instead of earning points, you earn a cash back percentage of what you spend. This card and program are also available through Visa with the USAA Cash Rewards Visa Card.

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Key Features

  • Fees. There is no annual fee. Balance transfers are 3% of the amount transferred up to a maximum fee of $200. Foreign transactions are 1%.

USAA Rate Advantage MasterCard Review – Low APR Credit Card for Military Members

By Christina Majaski

usaa rate advantage mastercardThe USAA was established in 1922 by Army officers who wanted to self-insure one another, as they were perceived as a high-risk group and couldn’t secure standard auto insurance. Since then, the USAA has developed into a diversified group of financial services companies. The USAA Rate Advantage MasterCard, its plain vanilla credit card, is a great option because of its low rates and fees.

If you are affiliated with the military or a family member of a qualifying member, this just may be the right credit card for your wallet.

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USAA American Express Rewards Credit Card Review

By Christina Majaski

usaa american express rewards cardUSAA provides many financial products to service members, their families, and those affiliated with the military – and credit cards are among the most popular of them. The USAA American Express Rewards Card features a low-interest opportunity and a rewards program for earning significant points on gasoline and grocery purchases. If you qualify, you may want to give serious thought to the USAA Rewards American Express card.

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Key Features

  • Sign-up Bonus. When you make your first purchase you receive a bonus of 2,500 points, which is worth $25 if redeemed for airfare.

USAA Military Affiliate Credit Card Review

By Christina Majaski

usaa military affiliate cardsUSAA provides a number of USAA Military Affiliate Cards that feature logos and emblems, allowing you to showcase your pride in hundreds of organizations. These organizations fall within all military branches: Army, Air Force, Navy, Marines, Coast Guard, and veteran’s groups such as The American Legion and Jewish War Veterans of the United States. Many of these cards are available through both American Express and World MasterCard – which one you choose depends mainly on how you intend to use it.

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Key Features

  • Sign-up Bonus. When you make your first purchase, you earn a bonus of 2,500 points which can be redeemed for $25 in airfare.

USAA World MasterCard Rewards Credit Card Review

By Christina Majaski

usaa world mastercardThe USAA World MasterCard offers similar benefits to the USAA Rewards American Express Card. The differences, other than one being a MasterCard (making it more widely accepted than the American Express), lie in the rewards program. Rather than rewarding gasoline and grocery purchases, the USAA World MasterCard rewards all purchases with a flat rate for cash back, which could be beneficial to service members who don’t have use for rewards in certain categories. You need to be a servicemember or family member of a qualifying servicemember to qualify for a USAA credit card.

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USAA Platinum Visa Rewards Credit Card Review

By Christina Majaski

usaa platinum visa rewardsThe United Services Automobile Association (USAA) was established by servicemembers who wanted to provide an auto insurance option for other members of the armed forces. These days, it has evolved into one of the largest providers of financial products, including credit cards, for millions of military personnel and their families.

The USAA Platinum® Visa® offers you a choice between the USAA Rewards program and a Cash Rewards program. With USAA Rewards, the USAA Platinum Visa offers a sign-up bonus and flat-rate rewards program which awards one point per dollar spent on all purchases, as well as access to MemberShop and additional military benefits.

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:DentalPlans.com Review – Find Discount Dental Insurance Alternatives

By Brian Martucci

Limited Time Offer: Click here and sign up for DentalPlans.com using coupon code MONEYCRASHERS to get 10% off any plan and 3 months extra free.

dentalplans logoHow often do you go to the dentist or eye doctor? If you’re like me, probably not often enough. Sometimes, though, whether you simply need a routine checkup or a more serious issue demands treatment, you’ve got to get your teeth and eyes examined by a professional.

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USAA Review – Financial Products for U.S. Military Members & Veterans

By Brian Martucci

usaa logoFor nearly a century, USAA (full name: United Services Automobile Association) has offered an ever-growing suite of financial products to active-duty and retired members of the U.S. Armed Forces and their family members. According to its website, the San Antonio-based private organization was started, back in 1922, by 25 military officers who couldn’t find an insurance company willing to cover their vehicles.

Today, USAA hawks everything from brokerage and retirement accounts to flood insurance, through about a dozen subsidiaries. USAA itself - the parent company of these subsidiaries - is member-owned, structured under Texas law as an inter-insurance exchange. This is a cooperative model, as opposed to a traditional corporation. All members can purchase insurance through this structure. As a member who owns a slice of the company, you’re eligible to receive a share of USAA’s annual profits.

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6 Benefits of Rowing Machine Workouts for Health & Fitness

By Laura Williams

rowingRowing machines, like almost all fitness machines, have developed over time, taking their place in the inevitable cycle of fitness trends. As machinery improves and “new” ways to exercise are introduced, long-standing forms of fitness are brought back into (and out of) view.

Rowing machines are currently on an upswing, drawing in consumers and professionals alike. The idea is simple: An individual or a group of participants each mount their own rowing machine, then sweat through a 30- to 60-minute workout designed to mimic the benefits of true water-based rowing.

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How to Make Beer at Home – Brewing Process, Supplies & Cost

By Brian Martucci

homebrewI live in Minnesota, one of the few states that bans Sunday alcohol sales – with the exception of specially brewed “near beer” varieties that have less than 3.2% alcohol by weight, or about 4% alcohol by volume. The limitation extends to retailers including grocery stores and gas stations, and the state legislature only just passed a law allowing breweries and distilleries to have onsite taprooms. Despite these restrictive statutes, or perhaps because of them, we’ve seen an explosion in the number of homegrown craft breweries since the beginning of 2010.

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The Real Costs of Back Pain – Treatment & Prevention

By Laura Williams

back painIf you’re a back pain sufferer, you know exactly how costly your pain can be. Beyond the missed work days, doctors visits, and the expense of ongoing care and treatment, back pain can stop your life in its tracks. Try taking a walk, sitting at a desk, laughing, or even carrying on a conversation during an acute bout of back pain – it can feel almost impossible.

If you’re a chronic pain sufferer, you know your pain never leaves you – you consider your movements every time you stand up or sit down, while you sleep, and when choosing which activities to engage in.

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