The Financial Reality of Living to 100

We live in a nation that has become one of the most prosperous in the world. Great advances in medical science and healthcare, extensive social welfare programs to those less fortunate, a military that protects us abroad and domestic, freedom in our capital markets to start a business and work with equality and great opportunity […]

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Frugal is Back in Fashion

The Great Recession of 2008 seems to have turned many Americans into lasting coupon-cutters, scrimpers and savers. Consumers dug a debt hole over the past decade from which there’s no easy climb out. This age of frugality seems to be in fashion, and the new normal ushered in by the recession has become the norm. […]

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Getting Out Of Debt… Really!

Forget consolidation loans, extended credit lines or fancy debt relief agencies. The best way to escape debt is the difficult and painstaking road of — hard work!  I know it was easy and sometimes quick to get into debt, but now it is time to get out of the burden of debt. Lets get busy! […]

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The Value of Using a Financial Advisor

Many people find it difficult to invest on their own, particularly as they face complex financial situations and decisions. That’s when professional financial advice can help. A relationship with a professional Financial Advisor will help you strategically plan, and set up disciplines to work toward your goals and financial success. A good financial advisor will […]

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Goals and Resolutions

Nearly half of Americans make New Year’s resolutions each year. Of those, only eight percent are likely to succeed. That’s according to a study conducted by the University of Scranton and published in December in the Journal of Clinical Psychology. Losing weight was the number-one commitment reported, followed by getting organized and spending less (or […]

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Surviving the Holidays Financially

Christmas is the time of year to have fun while enjoying the holiday with family and friends. However, the magic can also be extinguished by the mad rush of stressful shopping, vacation planning and other obligations. It’s no wonder that the holiday season is actually one of the most stressful times, especially from a financial […]

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Avoid Mistakes with Life Insurance

Life insurance may be one of the most important purchases an individual will ever make. An August 2010 study by LIMRA, an insurance research organization, revealed that ownership of individual life insurance has fallen to a 50-year low in the United States: 30 percent of households (35 million) have no life insurance coverage at all. […]

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Networking the Church

We have all experienced a time when someone from your church or the Christian community eagerly wants to get to know you, or is insincerely nice to you for some underlying motive of a “business opportunity” or to present directly or indirectly their product or service. We agree to see them because they go to our church or […]

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Why Most People Never Accumulate Surplus

For years now, Americans have been among the world’s worst savers. This is most astonishing since we live in one of the most prosperous nations in the world. The 2013 Bureau of Economic Analysis reported that Americans on average saved only 3.8 percent of their disposable income. Compare this to the 13.3 percent saved annually […]

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Investor Bad Behavior

When it comes to money and investing, we’re not always as rational as we think we are, which is why there’s a whole field of study that explains our sometimes strange investment behavior. It is important to control your emotions and avoid self-destructive investor behavior. We call the gap between general market returns and individual […]

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