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For those who have invested unwisely or not saved much money for retirement, the bridge to Social Security income is clear — keep working. If you still have debts you want to pay off before retirement, the free Debt Optimizer by MoneyTips can help you reduce your interest payments and lower your debt. However, if
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How do you know that your bank is the best one for you? You can consult all the advertising flyers and conventional information available at bank branches — or you can do some homework on the fundamentals of your bank with help from the online Bank Data Guide from the Federal Deposit Insurance Corporation (FDIC).
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Credit card usage is dropping among the millennial generation. A surprising 67% of Americans between 18 and 29 years of age have no credit cards at all, according to a recent survey. That compares to only 45% of Americans between the ages of 30 and 49, and 38% of those aged 50-64 without credit cards.
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Sunday, July 23, is Parents’ Day, which was established when President Clinton signed a Congressional Resolution into law in 1994 to recognize, uplift, and support the role of parents in raising children. At some point when those children are grown, however, it often becomes their responsibility to care for their aging parents. It is an
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Retirement represents a new stage in your life. It’s a time of change and opportunity. To make the most of your opportunities, you must make sure that one aspect of your life does not change – your good credit score. A recent survey by the credit bureau TransUnion found that over 30% of Baby Boomers
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Congratulations! At your 60th birthday, you’ve actually entered your seventh decade of living. We hope that you have given some thought to your retirement by now and made significant plans toward meeting your retirement goals. If so, age 60 is a good milestone to trigger a review of your retirement plans. (If not, start planning
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Credit is a great convenience, but it’s a convenience that you will pay for — especially if you go over your credit limit. Traditional over-limit fees were radically changed by the Credit CARD Act of 2009, which switched credit card over-limit fees to an opt-in basis — meaning that consumers have to specifically consent to
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MoneyTips If you want to send money directly to your friends online, there are a number of apps that allow you to do so, including Venmo. Venmo is one of the leading person-to-person (P2P) financial apps, successful to the extent that it is sometimes used as a verb (“Just Venmo me the money”). That may
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June 28 is National Insurance Awareness Day and less than a week later, on the Fourth of July, we celebrate Independence Day. This is the perfect time to brush up on your knowledge of fireworks safety and how potential damage or injury could be covered by your insurance policies. For many Americans, the Fourth of
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Student loan debt has made it difficult for many young Americans to enter the housing market. A recent survey from the National Association of Realtors found that 71% of student loan borrowers cited their student loan burden as a reason to delay buying a home. The student loan plight may be a major factor in
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Treasury Report Targets Dodd-Frank In February of 2017, President Trump issued Executive Order 13772, which gave the Secretary of the Treasury 120 days to create a report reviewing financial laws and regulations with respect to seven “Core Principles”. Those principles are generally related to streamlining the financial markets and, in the President’s opinion, reducing constraints
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For most homeowners, mortgage costs are the largest regular expense in the family budget. How can you manage those costs in the most efficient way? We offer a few suggestions for reducing either short- or long-term mortgage expenses to fit your needs. 1. Refinancing – According to Casey Fleming, Mortgage Advisor at C2 Financial and
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If your credit score is in the low- to mid-600s, you have what is usually considered to be fair credit — not in the range where you have trouble getting personal loans at all, but in the range where finding a good interest rate and reasonable terms can be challenging. Whether you are experiencing a
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You may need a personal loan for a number of reasons — perhaps to deal with unexpected medical expenses, to consolidate high-interest credit card debt, or even to take that well-deserved vacation. Unfortunately, if you have borderline or bad credit, personal loans may be difficult to get at your local bank or credit union. You
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It’s bad enough when your day is derailed by an unexpected trip to the doctor, but it’s even worse when you can’t afford to pay the bill. Unfortunately, too many Americans find themselves in this position, according to a recent survey conducted by Ipsos for the healthcare transparency group Amino. The survey found that 37%
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Welcome to parenthood! You are a proud new father, simultaneously overjoyed and terrified. Since you are now responsible for another human being, you should know that the estimate of what it will cost to raise your child is approximately a quarter of a million dollars, without accounting for inflation. If you would like to send
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