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  • December 7, 2018
  • by Emily

How Net Worth Differs from Retirement Planning

Your retirement plan is an important part of your overall financial picture… just as your net worth is. There is some overlap between the two, but also some very important differences. You cannot rely on a net worth snapshot to tell you if your retirement savings are on track… and there are many important aspects of a retirement plan that have no place in your calculation of net worth.

Financial Literacy, Net Worth

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How Net Worth Differs from Retirement Planning
How Net Worth Differs from Retirement Planning
  • December 7, 2018
  • by Emily

How Net Worth Differs from Retirement Planning

Your retirement plan is an important part of your overall financial picture… just as your net worth is. There is some overlap between the two, but also some very important differences. You cannot rely on ...

Financial Literacy, Net Worth

Read More...

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The Rent Spiral - Why Rent Goes Up So Much

The Rent Spiral - Why Rent Goes Up So Much

Rents always seem to be going up. Why can’t rents stay the same? This painful phenomenon has a name - the rent spiral. If you are renting you are riding it. Let’s explore the reasons ...

Homes and Real Estate

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Taking Advantage of Perks for First-Time Homebuyers
  • November 19, 2018
  • by Emily

Taking Advantage of Perks for First-Time Homebuyers

If you’re looking into buying a home, here’s what you should know about first-time homebuyer programs. Think this doesn’t apply to you? Read on… the government’s definition of "first-time homebuyer" is much broader than you ...

Homes and Real Estate

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So You Won the Lottery - Is the Lump Sum Payment Best?
  • November 8, 2018
  • by Emily

So You Won the Lottery - Is the Lump Sum Payment Best?

Woohoo! We all love dreaming about winning the lottery… but if you win is it better to take the lump sum or the annuity (in which you get a certain amount per year for a ...

Financial Literacy

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10 Ways to Instantly Improve Your Budget

10 Ways to Instantly Improve Your Budget

Budgeting can be a bit of a challenge. It’s on ongoing effort to manage your money on a monthly basis. If you find you are struggling with yours, here are a few ways to instantly ...

Budgeting

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How to Improve Your Bottom Line by Eliminating High Interest Debt
  • October 23, 2018
  • by Emily

How to Improve Your Bottom Line by Eliminating High Interest Debt

Debt is a useful tool to meet personal and financial goals like homeownership or going to college. But interest, especially if the rates are high, can cripple your efforts to pay off loans and make ...

Personal Finance, Budgeting

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Asset Allocation Categories - What You Can Bet On

Asset Allocation Categories - What You Can Bet On

This post explains the investment categories that are commonly found in funds and prospectuses. These asset classes come with complex risk/benefit calculations and can be used to tailor a portfolio to the nth degree.

Financial Literacy, Net Worth

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How to Maximize Your Social Security Benefits in Less Than 140 Characters

How to Maximize Your Social Security Benefits in Less Than 140 Characters

The answer in 140 characters: Work 35+ years, earn the maximum, wait as long as possible to retire, minimize income in retirement, avoid state taxes, stay alive.

Personal Finance

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8 Ways to Win at Budgeting - Like A Boss

8 Ways to Win at Budgeting - Like A Boss

Ever wonder where all the money goes, live paycheck to paycheck or find yourself running low on cash? Here are some ideas for getting your finances where you want them.

Personal Finance, Budgeting

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Rural vs Urban Living - Budgets and Net Worth

Rural vs Urban Living - Budgets and Net Worth

Thinking of moving someplace far away? Here are the differences between rural and urban living in terms of budget, housing, net worth and lifestyle.

Personal Finance, Budgeting

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The Best Timing for a Remodel May Be Opposite What You Think

The Best Timing for a Remodel May Be Opposite What You Think

Let’s test the theory that waiting for a recession is the best time to pay for that $60k kitchen remodel. Sure the price will be cheaper but what about losing out on gains that come ...

Family and Finances, Homes and Real Estate

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Is Grad School Worth It? Detailed Simulations and Discussion
  • August 31, 2018
  • by Emily

Is Grad School Worth It? Detailed Simulations and Discussion

My master’s degree left me with over $80,000 in debt, at an interest rate that dwarfed the rate I got on my undergraduate loans. I’m not alone among my master’s degree-holding friends in having some ...

Personal Finance

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Does Putting Money Down on a House Make Sense?

Does Putting Money Down on a House Make Sense?

It seems like good financial sense to put at least 20% down when you buy a house… right? That is what many banks require to get a loan. But is that a good thing for ...

Homes and Real Estate

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