No matter what you buy, it’s likely that some choices will be, if not disasters, certainly poor. For example, that pair of jeans that doesn’t fit is likely to end up in the back of the closet and never worn.Although poor choices are a part of life, in some cases, they are more important [...]

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The best way to prevent going into debt is by not going into debt in the first place. Like it is always said, prevention is the best cure. It works both in the health sector as well as the financial one. In order to keep from getting sick, it [...]

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Anyone can identify with the heavy strain placed on a student’s finances. Besides paying for school, many undergrads and those pursuing further education have countless responsibilities and financial obligations to fulfill. Though part-time jobs can cover small expenses, bills and student loan payments can really add up. All students should keep these tips in mind:• Apply [...]

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If you’re like many Americans, you get enough unsolicited offers for credit cards in the mail every day. And not to mention the e-mail solicitations… hopefully, you’ve figured out how to automatically delete spam and bulk mail, or else you’re spending 75% of your time online discarding yet more unwanted invitations from credit card companies. [...]

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When I first started the journey of learning about financial education, the terms in financial education was totally like a foreign language to me. I had heard some of those words before but what does it really mean. Those moments were poignant moments where I realized that I need a lot more to learn in [...]

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We are a nation of debtors. All the statistics over the past decade point to this. The savings rate is at an all-time low. At no point in our nation’s history have we saved less money. At the same time, we also have used credit to supplement our spending, pushing this [...]

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Financial freedom is something that many people desire. With advancements in technology, it has never been easier for someone to realize their financial dreams. Nevertheless, the majority never come close to reaching this destination. In fact, studies have shown that most are financially desolate by the age of 65. This is [...]

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You’ve spent decades in the workforce, investing and saving so you’ll have money to live on once you retire. So, what’s next? How do you plan to go about accessing your investments and savings as income during retirement? Are you certain you won’t run out of money?Choosing an income strategy is an important step for [...]

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Managing money effectively is a lesson many people are not taught in school. Even students who take a money management class or get financial guidance from parents or advisors often discover that there is a learning curve when it comes to putting this valuable knowledge into practice. College is the first experience many people have [...]

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Personal budgeting is something that we all learn at an early age. It is common knowledge that you need to have money to spend money. That is the heart of a budget. You make sure through your intended amount that you are making enough to support the amount of money you are spending.It is not [...]

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