Archive Yearly Archives: 2013

pay off debt or save

Debt Pay off or Retirement Savings: Are You on the Right Track?

The hardest part of personal finance is that it is personal.  A solution that is one size fits all does not exist; each and every single one of us is different.  Add on top of that the possibility that

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women retirement plans

Women and Retirement Planning: What You Need to do Different than Men

Men and women are different.  I don’t think anyone would argue this, in fact many books have been written about these differences.    Since we are different should women invest differently for retirement

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Types of Budgets: Ways to Create a Personal Budget

The key to financial success is spending less than you make. How do you accomplish this?  The best way is to create and follow a budget, as this is the only way you know where you money is going. There

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Mutual Fund Turnover Ratio: What You Need to Know to Pick a Fund

Another investing term that you need to get used to and understand (yes there are tons of them): Mutual fund turnover ratio. The turnover ratio is how often the fund is buying and selling stocks.   It

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4 Steps to Ensure Money Can Buy Happiness

Do you believe that money can buy happiness? Do you find yourself working hard to get more money to make yourself happy? Yet you find yourself more miserable the more money you have? Unfortunately that

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where to save money

Money Saving Quick Guide: Where to Put Your Money for Financial Goals

You have your financial goals set, you are ready to start building up your savings but you have one problem – you don’t know where to save your money.  Not to worry here is a quick guide on where

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organize personal finances

4 Steps to Organize Personal Finances Without Getting Lost

The time has finally come; you are ready to tackle your unorganized financial paperwork.  Yet you are not quite sure where to start, the piles seem endless.  How are you supposed to do a budget or pay

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personal savings rate

1 Magic Number to Help You Reach Retirement: Personal Savings Rate

As a whole American’s have been saving less and less. Back in the 1980’s our savings rate was in the double digits, but each passing year it went lower and lower.  In October or 2001 it was a measly

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how to balance your checkbook

How to Balance Your Checkbook

  Writing checks has gone out of style. Yet one thing you still need to do is balance your checkbook.   Balancing your checkbook means that you have recorded all your transactions. Plus that what

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