Why every millennial should have a Roth IRA

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There’s often a debate over which retirement fund you should choose:  a Traditional or Roth IRA? As a millennial, there is a definite advantage to choosing one over the other. Continue reading “Why every millennial should have a Roth IRA”

Retirement Planning – I’m 50 and haven’t started yet!

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If you’ve done any research about retirement planning, you know that it’s NEVER too early to start. In fact, starting to save during your college years is slowly becoming the norm! But what do you do when years turn into decades and you still haven’t started saving for your retirement? If you are in your 50’s and haven’t been able to build up the retirement fund, you’ll need to get started and fast. Here are some tips to help you out! Continue reading “Retirement Planning – I’m 50 and haven’t started yet!”

Saving for Retirement? Here are some pitfalls to avoid

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When it comes to saving for your retirement, every penny counts. Regardless if you are just starting to save or in the home stretch to retiring, making the wrong financial decisions could have a big impact on your retirement goals. With social security no longer being a sustainable retirement option, it’s important to make sure that you set yourself up for the future. Continue reading “Saving for Retirement? Here are some pitfalls to avoid”

Money Managing tips for Recent Graduates

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One of the biggest milestones in your life is graduating from college. It’s a symbol of independence and the start of your life as an adult. You’ll be on the hunt for a new job, a possible new place to live (Mom and Dad’s isn’t that bad, right?), and starting to manage your own money, including paying back those student loans. You don’t want to start your finances off on the wrong foot or overextend yourself from the get-go. Continue reading “Money Managing tips for Recent Graduates”

When should you refinance your student loans?

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Taking out student loans for college tuition and room and board is commonplace these days. If you recently graduated from college or decided to take a break from classes, be prepared to start paying back those loans 6 months from the time you leave school. While many students don’t pay close attention as those loans accumulate year after year, the lender does, and once you hit that 6-month threshold, expect those payment notices to start rolling in! Continue reading “When should you refinance your student loans?”

7 Ways to Protect Your Personal Data

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It seems keeping your personal information safe these days is like a full time job. From managing all your online accounts to monitoring your credit to validating what is spam. We live in an online global economy. Gone are the days where you can trust every email, every phone call and every piece of snail mail.  Unfortunately, we must be on high alert 24/7, but it shouldn’t be a full-time job just protecting your personal information! Continue reading “7 Ways to Protect Your Personal Data”

I need cash – should I borrow from my 401K or my home’s equity?

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If you are looking for cash to invest in real estate, pay down high-interest loans, complete a home improvement project, or pay off an emergency medical bill, you might be wondering which the better option is: borrowing from your 401k or your home equity via a loan or line of credit. The answer depends on how you plan to use the money, how much money you need, and how long it will take you to pay it back? Continue reading “I need cash – should I borrow from my 401K or my home’s equity?”