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10 Social Media Etiquette Tips for Personal & Business Accounts

By Brian Martucci

social phoneSocial media use is exploding. Facebook has more than a billion global users, with Twitter, Google+, and LinkedIn boasting hundreds of millions of active accounts. From preteens to senior citizens, every major age group is plugged in, whether they’re engaged in social media marketing, keeping in touch with old friends, or seeking out new connections.

Given today’s prolific social media environment, it’s hard to believe that just 10 years ago, social media barely existed. While it’s great to connect with friends and colleagues anywhere and at any time, this connectivity carries risks. A careless tweet or Facebook post can alienate your loved ones and jeopardize your job.

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Citi® Diamond Preferred® Card Review – 0% APR for 18 Months

By Christina Majaski

citi diamond preferred cardThe Citi® Diamond Preferred® Card does not offer rewards in the way of cash back or miles, but instead provides the longest 0% introductory APR available. Non-rewards credit cards such as this one provide benefits in the way of savings and elimination of debt rather than cash back or points, and depending on your own financial situation, they may be a better deal.

By transferring existing balances to the Citi Diamond Preferred card with a 0% promotional balance transfer offer, you can gain an additional 18 months to pay off your debt without incurring additional interest charges.

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How to Maintain Civil Discourse – Understanding Political Division

By Michael Lewis

argument“Let your conversation be without malice or envy, for it is a sign of a tractable and commendable nature: and in all causes of passion admit reason to govern,” thus proclaimed George Washington in his “Rules of Civility & Decent Behaviour in Company and Conversation,” written sometime before the age of 16. In the heated, often rancorous season of political contest, we Americans often forget that our fellow citizens are more similar to each other than dissimilar, our goals and ambitions more analogous than antagonistic. As a consequence, our public and private discourse has become intensely personal, focused on differences rather than consonance, so that friend, family, and work relationships are frequently in peril.

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ETF vs. Mutual Fund – 7 Key Differences Between Index Funds & ETFs

By Brian Martucci

investment chartsBuilding a balanced portfolio with individual stocks can be expensive and time-consuming. If you’re looking to save for retirement, or you hope to earn supplemental income by dipping your toes in the market, you probably can’t afford to purchase dozens of individual stocks in appreciable quantities. Not to mention, brokerage commissions on smaller purchases of individual stocks can add up quickly. For example, if you can only afford to purchase a few shares of a $25 stock, the typical $7 to $10 commission for your purchase would account for a significant piece of your total investment.

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OptOutPrescreen Review – Stop Credit Card Offers in the Mail

By Laura Williams

credit card offers mailJunk mail – that ubiquitous nuisance that shows up everyday, usually boasting pre-approved offers for credit cards and insurance rates – poses a very real problem. These offers can be scooped from your mailbox, opened without your knowledge, and used fraudulently under your name without permission. While this may not be the most popular form of identity theft out there, it does happen and it’s a real risk. Add to that the fact that junk mail usually just ends up in the trash, representing a huge waste of paper and resources, and there’s simply no reason you need to continue receiving it.

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6 Must-Have Conversations When Caring for Elderly Parents

By Michael Lewis

conversing with parentOne of the more painful memories in my life was telling my father that he was no longer capable of driving or living alone. A tall, physically active man, Dad had worked since his teens in the Great Depression, fought in World War II, married and raised two boys to manhood, and dealt with the death of his spouse, burying his wife of more than 50 years. He was a proud man, always ready to help others and capable of handling life’s setbacks with equal measures of grit and grace. To him, being a man meant being able to take care of yourself.

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Mvelopes Review – Envelope Budgeting Software

By Laura Williams

mvelopes logoThe envelope budgeting system has been around for a long time, and because it works, it remains popular, despite its “old school” methodology. If you’re not familiar, the concept is simple: Separate your budget into different categories, such as entertainment, groceries, rent, and gasoline. Create an envelope for each category, label it, and withdraw cash from your account to place in each envelope representing the total amount you’ll spend in that category for the month. Use the cash from your envelopes to make your purchases, and when the money’s gone, stop spending in that category until the next month.

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11 Best Part-Time Jobs With Health Insurance Benefits

By Brian Martucci

starbucks part-time jobAccording to a 2013 report by the Bureau of Labor Statistics, 85% of all U.S. full-time employees have access to employer-sponsored health insurance, and about 75% have access to retirement benefits. But millions of Americans don’t work full-time jobs, which is defined under the Patient Protection & Affordable Care Act (PPACA, popularly known as Obamacare, or the Affordable Care Act) as working at least 30 hours per week at the same employer. And according to a report from The Census Bureau in 2013, just 24% of U.S. part-timers have access to employer-sponsored health insurance, and just 37% have access to retirement benefits.

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How to Stop Overspending and Get Your Budget Under Control

By Jacqueline Curtis

budgetAre you a chronic overspender? If you start each month with great intentions and spend according to a set plan, but eventually find yourself making mindless purchases justified by that ever dangerous “a little won’t hurt” attitude, you’re likely facing an empty bank account and severe buyer’s remorse by the end of the month.

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10 Small Business & Entrepreneur Tips From “Shark Tank”

By Jacqueline Curtis

shark tankOn ABC’s “Shark Tank,” five extremely successful millionaires and billionaires – the “sharks” – hear pitches from business owners and occasionally vie with each other to invest. If the business owners play their cards right, they can score much-needed venture capital funding and strategic partners who practically guarantee them future success. If they’re weak, they’re sent packing with little fanfare and plenty of regrets.

I probably have about six episodes of “Shark Tank” saved on my DVR at any given time – but it’s not purely for entertainment value. The show teaches us all a great deal about business subjects such as investing, royalties, and licensing.

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What Is Big Data Analytics and What Does It Mean for Consumers?

By Jacqueline Curtis

big dataOnce upon a time, the most that businesses could hope to know about you boiled down to the information you’d use to obtain a mortgage: essentially, your credit score, household size, and household income. Of course, the more information businesses have about you, the better they can tailor their marketing strategy to target you. Today, with the ability to monitor your habits and access sensitive personal information, businesses have access to a veritable gold mine.

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How Identity Thieves Get Your Info – 7 Ways to Protect Yourself

By Michael Lewis

identity protectionIn 2013, the FBI arrested a ring of identity thieves responsible for more than $13 million in losses over a two-year period, from 2007 to 2008. Tobechi Onwuhara, a Nigerian national, impersonated victims across the country to scam their credit card companies into transferring millions of dollars from their customers’ home equity line of credit (HELOC) accounts, and the information he and his confederates used to identify victims was primarily collected through public sources. In other words, any efforts by the individual victims to foil the perpetrators would likely have been futile.

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10 Lessons I Learned About Money Management as a Young Adult in My Twenties

By Jacqueline Curtis

young couple financesAs my 30th birthday approaches, I find myself thinking about what I accomplished in the last decade. My 20s saw me get married, build a house with my husband, have two amazing kids, and start my career. And while I feel great about all those successes, there were definitely a lot of mistakes along the way – especially when it came to finances.

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EverBank Review – Full Service Online Banking and Mortgages

By Brian Martucci

everbank logoEverBank is a Jacksonville, Florida-based bank that serves Florida customers through its network of physical branches and national customers through its online bank. The company offered its first product, the extant Yield Pledge Checking Account, in 1999. Since then, it has dramatically expanded its offerings to cater to retirement savers, high-asset clients, business owners, and advanced investors who want access to currencies and precious metals. It offers a robust lineup of banking services, as well as brokerage accounts for investors through EverTrade Direct Brokerage.

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4 Crucial Strategies You Need When Investing for Retirement

By Michael Lewis

retirement planWhile there are a variety of investment options available to everyone, an astute investor must practice good fundamentals to control risks and optimize potential returns, including taking the time to be informed. As stated by Peter Lynch, renowned manager of the Fidelity Magellan Fund from 1977 to 1990 who beat the S&P 500 index 11 of 13 years, “Investing without research is like playing stud poker without looking at the cards.”

As you build your portfolio for retirement, it is crucial to keep several principles in mind.

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