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Many people are reconsidering their budget to prevent holiday overspending over the next few months. If you are one of these people, good for you – but why stop there? This is a great time to look further ahead and tackle your 2018 budget. Lay out your calendar, spreadsheet, or whatever method you use and
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What is the best day of the month to close on your mortgage? Not everyone will have the same answer to that question, as it depends on your specific mortgage situation. Many homebuyers consider the end of the month to be the best time to close. Data released by the National Association of Realtors (NAR)
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Charity at holiday time means more than just putting your change into the traditional red buckets at the entrances to big-box stores. Needs at the holidays are even more pressing on families, with cold weather approaching and stress over whether they can provide any sort of meaningful holiday for their loved ones. While traditional holiday
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Airline fees are pervasive these days. Baggage fees are particularly obnoxious, because passengers are increasingly forced to check in bags thanks to the shrinking amount of carry-on space. We do not know where the space is going, but we are pretty sure it is not for extra legroom. Some airlines even charge for carry-on bags!
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How can you retire with $1 million in assets? It’s easy… if you start with $3 million! All kidding aside, the best answer is to make a plan that achieves the savings necessary to get to $1 million. We can help you formulate that plan using the following seven tips. 1. Make Saving and Budgeting
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Billionaires and the impoverished have one thing in common – momentum. Once you achieve high levels of wealth or debt, it’s very easy for either one to continue to grow. A recent report by the Institute for Policy Studies highlights this point. The study found that three billionaires – Jeff Bezos, Warren Buffett, and Bill
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For many people, the end of the year represents a hectic time, and the last thing anyone wants to do is add to an already full plate. However, building the following financial moves into your fourth- quarter routine can really pay off over the long run and give you greater peace of mind for the
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You know about Black Friday and Cyber Monday – but are you aware of Giving Tuesday? Giving Tuesday is a recent invention – so recent, it is often preceded with a hashtag. It was started in 2012 on the first Tuesday after Thanksgiving and has been gaining in popularity as a symbol of charity to
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Do you like the idea of good deals but not the idea of standing outside the mall in a three-point stance waiting for the doors to open for pre-dawn Black Friday savings? Then Cyber Monday which will be held on November 27th, 2017 — the Monday following the Thanksgiving holiday — is for you. Cyber
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If you dabble in online investing, you have certainly been deluged by emailed offers of investing advice and “hot stock tips”. Undoubtedly, some good stock tips are out there, as well as a whole host of questionable ones and some that are outright guesswork. How can you tell the difference? After all, even the best
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If you received a holiday bonus this year, congratulations! A 2017 survey by Accounting Principals found that 63% of the surveyed companies plan to give out a year-end monetary bonus or gift this year based on company, departmental, and/or employee performance. Your first thoughts are probably about how you plan to spend your reward. The
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Municipal bonds have long been a popular fixed-income investment option. They are issued by state and local governments and their agencies to raise money for public projects like schools, hospitals, roads and bridges. The issuer agrees to make interest payments to bondholders at a fixed rate and repay the principal amount in full on a
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Have you ever made payments only using your voice? Most people have at least given their credit card number out over the phone or have used automated phone payment menus – although the latter often leaves people shouting “REPRESENTATIVE!!!” at their phone attempting to interface with a human being. Significant advancements in voice recognition technology
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Should I stay or should I go? With apologies to The Clash, that’s the question many homeowners are asking themselves. Does it make more sense to renovate your current home, or should you look for a home that is a better fit for your current needs? Data from the National Association of Realtors (NAR) suggests
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For some holiday shoppers, bargain hunting is a competition and Black Friday is the Super Bowl. All the preparation throughout the year goes into a few frenzied hours that determine winners and losers. Did you get that 50″ TV you were aiming for, or did you camp out all night only to be caught in
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Are you entering the holiday season short of cash? You may want to consider a seasonal job. Once Halloween passes and cold weather sets in throughout the country, demand increases for temporary workers to fill in during the holiday shopping season. Online – Check online employment sites for local opportunities – if you are looking
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What brightens up your holiday shopping season? You may prefer a quiet Christmas season at home, large family gatherings at the home of the relative who drew the short straw, or hand-to-hand combat on Black Friday at the mall. However, everyone agrees that saving money on Christmas shopping gives the holiday an extra layer of
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Stocks Outpace Housing Few can argue that the stock market has experienced great growth under President Trump. The “Trump Bump” consists of an approximate 20% increase in both the Dow Jones and S&P 500 during the President’s first year in office. Does the same Trump Bump translate to the housing market? A recent study by
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If you are attempting to buy a home on a low or intermediate income, you need every bit of help that you can get. Mortgage credit certificates are one of the lesser-known ways that the federal government can help. A mortgage credit certificate (MCC) is essentially a form of tax savings. The mortgage interest that
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Every October, the Social Security Administration (SSA) announces adjustments that are made to the Social Security program for the upcoming year. What effect will these changes for 2018 have on you? More Money for Beneficiaries – Social Security beneficiaries receive cost-of-living adjustments (COLAs) based on one of the standard measures of inflation – the Consumer
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Credit scores are somewhat like IRS tax codes: we know they’re important; few folks fully understand them; and failing to successfully deal with either can cost you a lot of money. While most of the factors determining your credit scores, such as payment history, number of open accounts, and type of accounts, take months or
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Veteran’s Administration (VA) loans are invaluable for homebuyers. Their advantages include little or no money down, qualifying with a lower credit score, competitive interest rates, potentially lower closing and auxiliary costs, and no private mortgage insurance requirements. VA loans are administered through approved lending institutions, and backed through an entitlement of up to $36,000. This
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MoneyTips Fall is here. It’s time for thinking about cooler weather, Thanksgiving, falling leaves – and taxes? While Congress debates changes to our tax codes, a few hours spent on your taxes now can produce benefits in April with the savings of both time and money. The following tips may be able to help you
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