Tag: financial literacy

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Tween Cash Hoarder

I find myself thinking about my childhood lately. I can’t pinpoint the reason why it’s coming up now. Maybe because I recently spent some time with a cousin I grew up with. She lives on the west coast and we don’t see each other often, although we do communicate by text a fair amount. As ...

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You Reap what you Sow

This title may be a little bit dramatic for the topic at hand. This will not be a post about karma or wrongdoing catching up to you. But it is a matter of a little bit of effort paying off, in this case in the form of a lower tax bill. (Disclaimer: I am not ...

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Simplify your life: 5 easy ways to save money

Reduce Housing Costs Refinance your mortgage to get a better rate. I found out that someone who sought my help for financial coaching was paying 7% on a mortgage, despite the fact that we are in a historically low interest rate environment where average rates (after 2 central bank increases) are now hovering around 4.5% ...

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Unimpressive Financial Literacy Theater

I consider myself a personal finance nerd. I have always been a hard worker, a saver, an investor who thirsts for knowledge on all money matters. I am an advocate for personal finance education, no matter what age. I have volunteered with adults at community centers, and I always encourage parents to set their kids ...

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Selling a Dream: The Myth of Credit Repair Companies

Poor financial literacy, a shrinking middle class and rampant consumerism  have gotten Americans in a lot of trouble (read: debt). And for every problem, there’s always someone with an entrepreneurial spirit willing to offer you a solution for a fee. Allow me to introduce you to the credit repair guy. He can “boost your score, ...

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Fraud Alerts, Hacks, and Insider Trading

You’d have to be under a rock to not have heard of the Equifax hack that exposed the personal information of millions of customers (143 millions to be exact) that amount to essentially 1/2 of the entire U.S. population. It’s alarming and frustrating because the nature of their organization does not allow us to opt ...

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What Can you do with $1,400 a Month?

I don’t know about you, but for me, not much. But according to the Social Security Administration, that is approximately the average monthly benefits that retired seniors were receiving as of December of 2016. This highlights the importance of having limited reliance on Social Security income later in life. It is no longer enough to have ...

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