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Month: February 2015

Financial Tip Friday: Invest At Least 15% of Your Income

Financial Tip Friday: Invest At Least 15% of Your Income

One of the things that I would do if I were emperor is to make people save at least something for retirement. In fact, there are some states right now that are actually making it mandatory for some small businesses to contribute a small % of an employees income to some retirement plan. While this is for a future post I say bravo states! It is about time. The truth is Americans don’t do a very good job of saving…

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How to Strike A Balance Between Wants and Needs to Achieve Financial Dreams

How to Strike A Balance Between Wants and Needs to Achieve Financial Dreams

Jason’s Note: Today, we have a post from Michelle B, who is a freelance writer and blogger who writes on all kinds of personal finance issues. She has some great thoughts on determining differences between wants and needs and what you can do to help you achieve your financial goals. Enjoy her sage words of wisdom.    How to strike a balance between “wants and needs” to achieve financial dreams People often get confused between “wants” and needs”. Because everyone’s…

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What Is Your Number?

What Is Your Number?

A common question among many people who think about retiring at a normal age of 65 or retiring early is how much money do I need to accomplish that task? Can I get by with a million dollars? Two million? 100,000? What is my number? It’s an important question. In a recent survey of retirees most people fear outliving their money. They worry they haven’t saved enough or wont have enough money to leave to their children or grandchildren. Because…

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Financial Tip Friday: Keep It Simple

Financial Tip Friday: Keep It Simple

Last Friday I posted a financial tip that I use in my own journey to financial independence: track your spending. I also noted that many blogs have specific features. So in that spirit I am announcing a new weekly feature to this blog: Financial Tip Friday. Every Friday I will offer a financial tip that I use or others use in their own lives to curb spending, save, invest, etc. If anyone would like to guest post and offer their own…

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Should I Reveal More Financial Information?

Should I Reveal More Financial Information?

One of the things I admire about the personal finance blogosphere is the willingness of so many people to share their stories. It heartens me a great deal to see people pay off debt, make successful investments, become financially independent, or even wealthy. I admire their willingness to take a risk, to bear their souls to the outside world for everyone to judge. In doing so, I think, unfortunately, some people take information that is out there and make snide…

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Snow Fatigue or Why I Want to Move to the Caribbean

Snow Fatigue or Why I Want to Move to the Caribbean

Forgive the rant or more of a woe is me post. Yesterday I shoveled out from another snowstorm for over six hours. To say the least I am tired and not really into doing anything else at the moment. In the past three weeks we have received almost six feet of snow. in Boston, not far from where we live they have received 7 feet. I, like many of my friends, in New England are sick of it. We have…

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Financial Tip: Track Your Spending

Financial Tip: Track Your Spending

It seems that a lot of the blogs that I read have special series or things that make them a bit unique. I am still working on the whole uniqueness for this particular blog. In the interim, I thought I would add a series (weekly or otherwise) of financial tips that I use or I think are interesting and want to bring to readers to see what they think.  So here goes. The very first financial tip I would tell…

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What I Learned On My Sabbatical

What I Learned On My Sabbatical

This post isn’t necessarily going to be financial in nature. Well, in some respects, I guess you could say it would deal with my financial future because someday I would like to be financially independent. That independence would allow me to cut back on some of my duties at work that make me extra money. I am not saying that I will retire early (although that would be nice) but it will be nice to have greater freedom. I long…

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Homeowners: Get An Energy Audit

Homeowners: Get An Energy Audit

Normally about this time I would be on my way to work. However, because of the fourth snowstorm we have been hit with in the past three weeks they have cancelled again. I don’t blame them, but it does make figuring out the rest of the semester interesting. Anyway, sorry about the digression. So I have discussed how we have been having a bit of a financial storm here in the ROB household. February, it seems to me, is always…

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American Dream Inflation

American Dream Inflation

I recently came across an article and video from Yahoo Finance title “What’s Holding Back the Middle Class? Look In Your Closet” and for whatever reason it really set me off. Forgive this post because it is going to be a bit of a rant. Let me start by saying that I believe many in the middle-class have been getting screwed for a while. The median income in the United States hasn’t grown for years, perhaps decades. People seem to…

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