Protecting Yourself from Scammers this Holiday Shopping Season

Safe Online Shopping Tips this Holiday Season

Like it or not, the holidays are almost here. While you might have mixed feelings about the jolly season approaching, the fact remains that now is a great time to get yourself – and even your spouse – that knick-knack you’ve been eyeing. Why? Because holiday sales are coming, and as always, the discounts will be deep. Still, it’s important to make sure your year-end shopping spree isn’t spoiled by cybersecurity threats, hackers, or scammers. Read on to learn how to best protect yourself when…
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Stock Market Crash Around the Corner?

Is a Market Crash Around the Corner?

Recently, we had a meeting with a prospective client. One great question she asked – and the topic of this post – is whether the Dow inching toward 20,000 was a good thing or a bad thing. (Update: The Dow is now well past 23,000!) In short, she wanted to know if we were due for a stock market crash. While nobody knows how high the stock market will climb, I knew instantly that this question was worth exploring. Is A Market Crash Around the Corner? Over…
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Making Big Life Changes

Big life change? Manage your money for success!

Anytime you consider making a big life change or a embarking on a new adventure, there’s at least one issue you’ll always have to contend with – money. Whether you have the money you need to make a big move or not can help you along or stand in your way. That’s not to say money will determine your happiness from making a big change or taking on some new challenge in your life. There’s a lot more to life than money, and happiness is…
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Define Credit Score: What is a Credit Score and Why Should You Care?

credit score defined: What you need to know about your credit score

Have you ever wondered what your credit score is or why it matters? If so, you’re in the right place. In this post, we’ll introduce you to a handful of credit score basics. By the time you’re done reading, you should have a general idea of how your credit score is determined, why it’s so important, and how to improve yours over time. First things first – let’s define the term credit score. Generally speaking, your credit score is a numeric representation of how good…
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Equifax Breach: 2 Things You Need to Know

Equifax Breach cyber security

As most are aware, Equifax recently announced that a data breach on July 29th may have impacted as many as 143 million consumers in the U.S. The internet is full of helpful information about this incident, so I’ll keep this short. Here are two things we want you to know: 1. THE EQUIFAX WEBSITE IS…UNPREDICTABLE You might have seen the eligibility website released by Equifax. In return for your last name and last 6 digits of your SSN, it – allegedly – tells you if you’ve…
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Umbrella & Disability Insurance: Critical for Young Professionals

Two Critical Things for Young Professionals

Recently, we completed a financial plan for a young professional (we’ll call him Adam). I’m happy to say that Adam was on a good track. He was maxing out his 401(k) each year and held small taxable and Roth IRA accounts as well. Prospects were bright for Adam: at his savings rate, the retirement he wanted in the future was a definite possibility. This, of course, assumes that everything goes according to plan. But what if it doesn’t? While Adam did a great job saving…
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Investing Benchmarks Defined (with Beer & BBQ!)

Using BBQ and beer to explain benchmarks in investing.

Before I define what investing benchmarks are and why they are important, allow me to set the stage for today’s lesson. Those who know me well know that, in addition to being a finance fanatic, I am obsessed with beer and barbecue. Today, I’ll combine all three passions and share with you some recent experiments I performed while barbecuing with beer. I promise there’s a money lesson in here, so stick with me! BBQ’ing with Beer – An Analogy In the first experiment, I cooked…
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Save 95 Percent On Investment Fees with This Flash Sale

Keep Your Investment Fees Low

Before I talk about investment fees, allow me to start with a story. July 4th has come and gone and so has some of the summer’s most lucrative sales. But, thanks to my wife’s diligent coupon-clipping, we scored a sweet 20 percent off coupon for Harbor Freight. Obviously, I used that coupon to pick up some tools for our never-ending list of home improvement projects. But, why the sale? Harbor Freight hosted this sale to get new customers in the door, and their strategy worked. If someone…
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