Business & Finance

What to Do When the Stock Market Crashes

  We all experienced a lot of market ups & downs recently. We know that markets rebound from crises over time. However, the recent market volatility has affected investors more than anytime since the Great Recession in 2008-2009. This volatility can be very unsettling, but it is a natural part of the market. We have […]

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Reigniting Your Dream Beyond Mid-life

At a recent Go-DRREAM Workshop I hosted, I was amazed to find an audience of mostly 50 and 60-somethings waiting to learn how to reach their dreams. I should not have been surprised. After many years of moonlighting as a grant writer and evaluator, I left a full-time faculty position to dedicate my time to […]

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Divorced Over Money?

  You’ve probably heard that money problems are one the most significant factors that can lead to divorce. According to a Citibank survey, 57 percent of divorced couples cited money problems as the primary reason for the demise of their marriage. Having counseled couples financially for over 20 years, I have found that money is […]

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A Good Way to Save For Education Costs

  For some time now the cost of a college degree has been rising at a shocking rate, and as a result the dream of one day going to college, for many, remains just that…a dream. But the rising cost of college has brought heavy debt burdens that have many new graduates wondering if they […]

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Can You Afford $400?

A typical American household cannot raise $400 without borrowing money or selling possessions, according to the results of a survey published recently by the Federal Reserve, the US central bank (The Fed’s Report on the Economic Well-Being of U.S. Households in 2013). The agency asked 50,000 people if they could handle an unexpected “financial disruption” […]

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Choices for Your 401(k)

In our culture of continual job change, people who leave their jobs are faced with a decision about what to do with their 401(k) account. Indeed, a 2012 report by the U.S. Labor Department notes that the average worker holds 11 jobs from age 18 to 46. How many previous employer 401(k)s and company plans […]

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Sharpening Your Edge for Renewed Success in School or the Workplace

“Hmmmm, I think I’ll stop in there and see what’s happening.” Driving by that same retail store on the way back and forth to work, I began noticing something fresh. New activity and new life was erupting. The building was painted with a new attractive color scheme, the landscape was upgraded, signs promising special sales […]

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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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