I have long contended that, at its most fundamental level, keeping a household’s finances in the black has much in common with operating a profitable business. In both cases, you have to try to generate the greatest revenues, while at the same time keeping expenses in check. It’s not rocket science or brain surgery. In [...]
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Archive for the ‘Planning’ Category
Home Economics
Written by Jeffrey Steele - Leave a Comment
Published on January 26th, 2012 - Leave a Comment
Filed under: Frugality, Planning
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Filed under: Frugality, Planning
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Make the Most of Your Pay Raise
Written by Hank Coleman - 6 Comments
Despite high unemployment and lingering financial turmoil from the recent recession, American workers continue to earn pay raises each year. According to the Bureau of Labor Statistics, the typical worker earned an average pay raise of 1.9% last year, and they are on tap to earn a similar raise in 2012.
These annual pay raises will [...]
Published on January 19th, 2012 - 6 Comments
Filed under: Debt Reduction, Planning, Saving & Investing
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Filed under: Debt Reduction, Planning, Saving & Investing
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Five Fiscal New Years Resolutions for Families
Written by Ed Avis - One Comment
New Years resolutions usually involve losing weight, quitting smoking, etc. Instead, this year use your resolutions to help put your financial house in order. Doing that won’t help you fit into that pair of skinny jeans or improve your breath, but it will fatten up your wallet and improve your financial outlook. Here are five [...]
Published on January 6th, 2012 - One Comment
Filed under: Planning
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Filed under: Planning
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How to Give Your Budget a Tune-Up
Written by Guest Contributor - 4 Comments
This is a guest post from Jessica Ward.
It happens to many of us: we design a lean, mean budget, but over time, like a worn-out rubber band, it begins to lose its pull. Sure, it’s still there and still performing its duty, but it isn’t the well-tuned machine it used to be. You might have [...]
Published on December 20th, 2011 - 4 Comments
Filed under: Frugality, Planning
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Filed under: Frugality, Planning
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The High Cost of Elder Care
Written by Nickel - 11 Comments
As I write this, I’m sitting in the living room of my childhood home. My dad has been experiencing some fairly serious age-related health issues, so I took some time off to come home and help out for a few days. Unfortunately, he’s at a point where my mom can’t care for him entirely on [...]
Published on December 19th, 2011 - 11 Comments
Filed under: Insurance, Planning
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Filed under: Insurance, Planning
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How to Invest a Windfall
Written by Nickel - 5 Comments
The other day, I ran across an interesting article by Rick Ferri about how to go about investing a lump sum of cash. Should you dump it all in the market at once, or should you dollar cost average? Based on historical data, your highest expected return comes from investing it all at once.
Of course, [...]
Published on December 14th, 2011 - 5 Comments
Filed under: Planning, Saving & Investing
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Filed under: Planning, Saving & Investing
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Get to the Polaris Point
Written by Jeffrey Steele - One Comment
If you’re among the fortunate few, you not only have a job you love, but one that will earn you at least a decent living over a sustained period of time.
For all too many Americans, however, that’s a pipedream. Many of them toil away at jobs they detest, but that pay the bills. After a [...]
Published on December 8th, 2011 - One Comment
Filed under: Planning, Working
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Filed under: Planning, Working
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Four Ways to Include Your Spouse in Financial Planning
Written by Hank Coleman - 8 Comments
I am ashamed to say that my wife told me the other day that she doesn’t know what a mutual fund is. This stemmed from a brief discussion about where to invest $1,000 that we had collected from our 8-year-old son’s birthday and Christmas money. My wife is a big fan of certificates of deposit. [...]
Published on November 17th, 2011 - 8 Comments
Filed under: Planning
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Filed under: Planning
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Do You Have a Death Dossier?
Written by Nickel - 7 Comments
What would happen to your finances if you were to die? Would your family be able to easily pick up where you left off? Or would they be left scrambling to piece things back together?
Just think about all those disparate bank accounts… Investment and retirement accounts… The insurance policies… The deed to your home… Your [...]
Published on September 9th, 2011 - 7 Comments
Filed under: Planning
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Filed under: Planning
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Investing a Windfall (and Making Up for a Late Start)
Written by Nickel - 10 Comments
A reader that I’ll call Diane recently wrote in with a question about investing a windfall. She says:
I am getting some extra money — about $10k — and I have no idea what to do with it.
I am 57 years old and have no debt. I have about $9k in my company’s 401(k), and that [...]
Published on August 29th, 2011 - 10 Comments
Filed under: Planning, Saving & Investing
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Filed under: Planning, Saving & Investing
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