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One rule that can help you budget your income. Try the 50/20/30 technique for managing your household money. Applied over time, it may improve your financial picture. Here’s how you can do it: Assign 50% of your income to essential expenses. Think food, rent, transportation costs, and utilities. Try to avoid using up more than […]

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What should you look for, and what may matter most? How can you get the most out of a college visit? A well-rehearsed student guiding you around campus won’t tell you everything. You and your child should strive to take additional steps. Head to the financial aid office. If your student has a financial aid […]

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By 2020, it could be in place. Imagine your home or office completely wired. Everything is voice activated or Web activated. All your devices are artificially intelligent, and you can control them remotely. This is the Internet of Things, and it is on its way. The IoT may change your daily life. Picture yourself on […]

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Housing prices have breached the record prices set 10 years ago, but homes are more affordable now. Read more…

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Should it include learning as well as leisure? Thinking about that next family trip? If you are mulling over how to make your next one great, consider these questions and factors. Should education be a part of the vacation? An overseas trip or a journey deep into nature, enriched by educational context, can profoundly impact […]

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Why it is so vital for the truly affluent. Wealth management means more than just supervising a portfolio. It is multi-faceted: addressing risk and tax management, estate planning and charitable gifting, and, perhaps, college planning and long-term care planning. It is rare to find one financial professional well versed in all these disciplines. Acknowledging that […]

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A look at the potential of compounding and early, steady investing. Time may be the greatest asset for the young investor. While some people may frantically try to catch up on retirement saving after age 50, you have the chance to harness the power of compounding by starting decades earlier. When you start may matter […]

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What options do you have if you risk a default? Have you made a federal student loan payment in the last three months? About 11% of federal student loan borrowers have not and are therefore in default. That default rate only represents the borrowers entering repayment.1 More than 8.1 million Americans are behind on federal […]

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The risks to your wealth aren’t only in the financial markets. The wealthier you become, the more liability protection matters. We live in a litigious world, one in which even friends and neighbors can be convinced to see opportunity in the wake of misfortune. A (larger) umbrella liability policy may be an excellent idea. Could […]

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Adapting your retirement strategy (and outlook) may be necessary. Involuntary retirement can be emotionally and financially unsettling. Here are some questions to ask yourself if it happens. Do you want to keep working? You may have to rely on your spouse or partner’s income- or your emergency fund-for many months if you look for another […]

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