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Your one-stop resource for everything related to your financial well-being. 


Recent Posts

Your Credit Score: 5 Credit Myths Revealed

Having a firm grasp on the definition of credit, how it affects your financial well-being, and how to get and maintain a healthy credit score is a topic that is discussed in many circles this time of year as many people resolve to be better stewards of their finances. There is tons of information on the topic floating around the interwebs from various sources, and while for the most part you can trust the information you're reading, there are some credit myths that you should be aware of.

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4 Lessons to Teach Your Kids about Money

Money is a topic that even adults have trouble comprehending, so even the thought of teaching money concepts to a child can be daunting. Many parents avoid speaking to their kids about this topic because they may consider their children too young or, quite frankly, parents aren’t comfortable talking about the topic of money themselves.

Teaching your children the role of money in our society and the importance of smart money habits while they’re young is tremendously beneficial; consequently, brushing off the topic can have long-term negative impacts on the future of your child’s financial success.

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Budgeting Made Easy for Millennials

Every generation has been faced with their own set of challenges when transitioning into adulthood. Today, millennials across the nation are battling the constant struggle of budgeting—outstanding student loan debt and finding employment immediately out of school. When it comes down to it, who has the time to worry about creating and sticking to a budget?

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A 10-Step Guide to Improving Your Credit Score

Did you know that only 10% of Americans know their credit score?

Those are the findings of a survey commissioned by TrueCredit.com, a web subsidiary of the credit bureau, TransUnion. “It is shocking how little Americans know about their credit,” said John Danaher, president of TrueCredit.com. “Good credit is a cornerstone of your financial profile, enabling you to finance major purchases, such as a home, education, or car.” Then, he added, “Not knowing about your credit can expose you to higher interest rates which translates into less money in your pocket at the end of the day.”

When you apply for credit, your credit scores help lenders determine whether or not you are able to repay the loan based on your past financial performance. With a higher score, you qualify for better interest rates, higher credit limits, and more types of credit than you would with a lower score.

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3 Financial Talks Every Couple Should Have

In long-term relationships, you learn and likely know more about your sweetheart than anybody else ever will. But when it comes to money, how much do you know about your other half and your financial picture?

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Four Ways to Maximize Your Social Security Benefits

Ask any financial adviser, and they will tell you that retiring on Social Security alone is not an ideal situation. It can be done, however, with some careful planning. 

The fact is, the Great Recession of 2007–2009 had a profound impact on retirement savings, particularly affecting those that were approaching retirement age. With the stock market decline and falling home values, workers close to retirement did not have adequate time to recoup their lost savings, forcing many to rely on Social Security benefits earlier, or more than they initially planned.

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Four Benefits of Contributing to a College Savings Plan

The cost of college has increased steadily for decades. According to the College Board's Trends in College Pricing 2014, the inflation-adjusted average published price for in-state students at a public four-year university is 42% higher than it was 10 years ago and more than twice as high as it was 20 years ago. With the average cost of in-state tuition, fees, and room and board reaching $18,943 per year, the idea of many families sending their children to college can be daunting.  

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Why Long-Term Care Insurance Should Be Added to Your Retirement Planning Blueprint

It’s a known fact that Americans are living longer. Thanks to modern medicine, better working conditions, and education on healthy eating and exercise habits, life expectancy has increased.

In fact, according to Forbes, the average life expectancy for women and men is 86 and 84, respectively, and according to a recent projection featured in the Genworth 2013 Cost of Care Survey, 70% of people 65 or older will someday enter a nursing home. With alarming statistics such as these, long-term care insurance should be a serious consideration in your retirement planning blueprint.

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Six Retirement Planning Excuses You Should Avoid Making

Planning for retirement is one of those financial tasks that many people put on the back burner until they're "ready." But much like committing to a healthier lifestyle, the time to start planning and preparing for retirement is not later—it is now.

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Frugal Living: 7 Easy Money Saving Tips

For some people, spending money comes naturally. That's a good trait to possess with regard to your future financial forecast, but for those not so lucky, the problem occurs when your lifestyle costs significantly higher than your budget allows. You don't have to give it ALL up. Instead, make incremental changes and impactful decisions that will help you build a savings: decipher wants from needs, consider store brand vs. name brand, order jello instead of crème brulee. Making small lifestyle choices can go a long way in saving a few bucks on the pocketbook.

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