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Category: Financial Tips

Learning the Money Language

Learning the Money Language

Happy New Year to everyone. My apologies for not posting last week (at least someone checked in on me thank you Paul) but my laptop was on the fritz, I had a couple of advising sessions before school, and I decided to take the week to relax before the semester starts within a week or so. I hope everyone who reads this had a wonderful holiday season. And as I was thinking about different money goals for the coming year…

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Should You Invest in Individual Stocks?

Should You Invest in Individual Stocks?

I have always been interested in personal finance and money. I remember I wrote a really crappy essay in high school called “Money Rules the World.” I would actually read about the stock price of my dad’s company in our local newspaper. Before I started college one of the professions I investigated was becoming a stock broker (I don’t think they even exist anymore). I watched the Dow Jones climb during the 80s and 90s and wished I could join….

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Wineries, Wineries, and More Wineries

Wineries, Wineries, and More Wineries

One of the things that I have grown to love over my years of travel is good food and good wine. In fact, I fancy myself a bit of a tour guide when it comes to wineries, particularly in our local area. One of the first things Mrs. ROB and I did when she came to visit me when we first started dating was doing some wine tasting. Apparently, no one had ever taken her before. So I instantly scored…

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Public Employees: Use This Account to Supercharge Your Savings

Public Employees: Use This Account to Supercharge Your Savings

There are about 10 million or more employees in the United States that work for state or local governmental agencies. Those government agencies will often offer a pension plan and/or a traditional retirement plan like a 401(a) (note I didn’t say 401k there is a slight difference) or 403b. A lot of times these employers will mandate a contribution like 5% or 10% of your salary. However, that 10% contribution is lower than the recommended 15% put forward by many…

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Guest Post: Why Should You Discuss Retirement Planning with Your Children?

Guest Post: Why Should You Discuss Retirement Planning with Your Children?

*From time to time I will have some smart people write guest posts for my blog. Today, we have Rick Pendykoski, who has his own retirement planning firm and has some important advice in talking with your children about retirement planning.  Saving for retirement is complicated enough when you’re single, but it gets a lot more challenging when you have children. You need to balance your financial needs against theirs at least till college, if not beyond. In all this,…

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Product Review–Digit

Product Review–Digit

*While I have affiliate links on this page (look under Other Good Stuff for things I endorse) I am NOT getting paid by this company. This review is just from my own experience (although I wouldn’t mind being an affiliate). Do you have trouble saving money? Even small amounts? That is apparently true of most Americans because 70% of us live paycheck to paycheck. Most people don’t have the cash to take care of a $400 emergency. So how can…

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How Much Is Your Car Costing You?

How Much Is Your Car Costing You?

Who doesn’t love that new car smell? And who doesn’t like the idea of owning a brand new car? I have written a couple of different posts on car ownership. I have provided what my specific philosophy is for buying a car. Moreover, I provided a rant about the length of car loans a couple of years back. But I think an even better way to think about car buying is what are the costs associated with it. Now I…

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Guest Post: 6 Tips for Avoiding a Loan Application Rejection

Guest Post: 6 Tips for Avoiding a Loan Application Rejection

Note: From time to time I will have very smart folks provide a guest post on a particular finance topic. Today, we have one by Jamie Dalzell, who is a freelance writer (and a darn good one I might add). If you are interested with working with Jamie or contacting him you can go find him at the website Reality Copywriting.   6 Top Tips For Avoiding A Loan Application Rejection If I asked you what your credit score is,…

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A Strategy for Debt Fatigue

A Strategy for Debt Fatigue

Do you have a lot of debt, particularly large ones? Do you feel like you are making no progress? Did you start off strong on your debt and you have hit a wall? Are different strategies for paying off debt not working for you? If you answered yes to any of those questions then you might be suffering from debt fatigue. I know that I suffer from it. Let’s be honest paying off large amounts of debt is hard, particularly…

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Guest Post: Tips on Financial Management for Everyone

Guest Post: Tips on Financial Management for Everyone

Disclaimer: From time to time I have some really smart people write guest post for this blog. I love having others contribute their ideas to this little corner of the personal finance world. Today, we have a guest post from Jennifer Scott (jenniferscott1390@gmail.com). Take it away Jennifer. Putting some time aside to manage your money can be such a beneficial pastime. In addition to helping you manage your bills and not having to live paycheck to paycheck, you can also…

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