Roth IRA

Investing While Keeping Uncle Sam Out of Your Pocket

In some recent posts on investing, I’ve covered the importance of getting in the game as soon as possible so you get the financial wind (compound interest) blowing in the right direction.  And I’ve emphasized the importance of asset allocation, noting that one of the easiest ways to get the proper allocation is to invest […]

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Target Investing

Investing Made Simpler

The last couple of posts have dealt with investing – arguably the most challenging aspect of personal finance.  We talked about the importance of starting an investment program as soon as possible in order to take advantage of the amazing power of compound interest.  And we talked about the fact that asset allocation is more […]

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planning risk

The Most Important Key to Investing Success

Do you know what separates the great investors from the lousy ones?  Do the greats just have a knack for picking winning stocks?  Do they have access to information that mere mortal investors don’t? Actually, the key to investing success is much more boring sounding.  It’s making sure you choose the right asset allocation. What […]

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Stack of money

Earning More Interest Through CD Laddering

In this era of microscopic savings rates, one way to squeeze a little more interest out of your savings is what’s known as CD laddering. What is a CD? A CD is a certificate of deposit.  It’s a low risk savings vehicle offered by banks, credit unions, and brokerage houses.  You agree to keep the […]

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Find a Job

Two Essential Steps For Finding a New Job

Are you out of work or looking for a better job?  Executive transition coach Gordon Curtis recommends that you concentrate and connect.  Curtis, author of the book Well Connected, says it’s easy to believe that sending out lots of résumés will improve your odds of success, but that’s a mistake. Aim For The Job And […]

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Credit card

The Perks of Plastic

Some people seem surprised to learn that I use credit cards.  After all, I once had $20,000 of credit card debt.  However, I’ve learned from my mistakes and now follow four rules for the wise use of credit cards. Anyone who follows those rules will find that credit cards can work in their favor.  Some […]

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Organics

How to Be a Smart Organic Food Shopper

One of the key challenges to eating healthy is doing so without breaking the household bank. That’s because eating healthy means not only eating plenty of fruit and vegetables, it means choosing organic food.  Add food inflation to the mix and it’s easy to conclude that you can either spend smart or eat healthy – […]

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Grocery-store

Picking A Fight With Food Inflation

For many families, food is one of their largest expense categories.  And you’ve no doubt noticed that food prices have been on the rise. It’s obvious to me that there are fewer discounted items at the grocery store these days.  And, when I reached for a can of one of my favorite brands of coffee […]

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school grade

Filling Out Dad’s Financial Report Card

For most of us, our number one source of financial instruction is our parents.  Some parents make the effort to actually teach their kids about money.  But all parents teach either good lessons or bad through their example. With Father’s Day occurring this weekend, I thought it would be interesting to consider: How did your […]

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