How to Stop Worrying About Money
Worrying about money has been so ingrained in our culture today that it has literally become an epidemic. I hate how I feel when I worry about money, and I know I do it far too often. I also know…
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How to Set Up an Allocated Spending Plan
Tracking what you spend is an essential element to financial planning. But it is most valuable if you use the information to better direct your financial resources going forward. One way to do this is to create an allocated spending…
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10 Romantic & Inexpensive Gift Ideas for Your Girlfriend or Wife
Whether it’s an anniversary present or a Valentine’s Day gift, the expectations can be high even when your funds are low. If your bank account balance limits the amount you can spend on a gift, then jewelry and other pricey…
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Tips for Moving on a Budget – Guide to Packing & Moving Costs
Back in 2008, I began what was a series of five moves over the coming three years. Three of the moves were local, and two cross-country. During this time, I learned a great deal about relocating – particularly how expensive…
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How to Maintain Separate Bank Accounts as a Married Couple
When my husband and I were married in 2003, we transitioned to a joint bank account. It seemed like something we were supposed to do; plus, we had received a bunch of money as wedding gifts. As it turns out,…
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What Are Brokered CDs & Market-Linked CDs – Pros & Cons
Conservative investors who are disappointed with the mediocre rates of interest offered on their local bank’s CDs may want to explore the world of brokered certificates of deposit. These unique instruments resemble those that are sold in bank lobbies in some respects,…
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How to Choose a Daily Money Manager for Your Finances
Handling bills, deposits, and payments is a daunting task for most of us, but consider how much more challenging it becomes as we enter our later years. The elderly are more susceptible to diseases such as dementia and Alzheimer’s, which…
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How to Create a Home Filing System for Record Keeping
Each year, the ordeal of gathering the necessary information to complete and file your tax return seems increasingly difficult, doesn’t it? This problem may be alleviated by implementing an efficient home filing system. But completing your annual taxes isn’t the…
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What Is a Family Limited Partnership (FLP) – Pros & Cons
The U.S. could experience some rather drastic tax changes in the near future. For instance, if the so-called Buffett Rule passes, capital gains taxes would increase from 15% to 30% for those with incomes above $250,000 or those with a…
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7 Keys to Achieve Financial Success
“What should I do?” Over the years, I’ve been asked innumerable times by people for advice about investments, insurance, and other financial matters in the hope that there is a simple, one-size-fits-all strategy that can be easily implemented in their…
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