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Personal Finances | Planning

Plan Your Financial Future Now

The best way to prepare for your financial future is to have a budget that you can follow and adjust as you work through each month. There are many doable ways to put together a budget, but all entail gathering the best information you can from your past financial records.

Using Past Expense to Predict Future Expenses

Both checking accounts and credit card records provide a good place to start. For most families, housing expense is the largest and most important expenditure. These expenses include mortgage or rent, utilities, taxes, insurance, and maintenance.

Apr 4, 2018
How I Ditched Debt: Tenacious Focus on the Goal
Bev O' Shea
Samantha Ealy thought she was being budget-smart when she transferred from Howard University, in Washington, D.C., to Baylor University in Waco, Texas.
The cost of living was much lower, but she got an apartment that was still well above what she could afford. She was struggling with debt already, and she couldnít quite make rent. And then she was evicted. She sold her furniture to repay her landlord and avoid being sued.

For about a month she slept in her car. It was August 2009, when the average high temperature was 100, and lows averaged 76. She showered in the campus gym and spent the bulk of her time in the air-conditioned library. She says she was there so much they offered her a job. More info...

Apr 4, 2018
What You Need To Know About Social Security and Medicare Changes for 2018
David Rae
Each and every year we see some small changes to Social Security and Medicare. This year is no different. How much you will receive from Social Security during retirement, to the caps on payroll taxes to fund future benefits are just a couple of the common areas with changes. Medicare beneficiaries will mostly pay more for their health-care premiums in 2018. There are also changes to new income rules that determine your Medicare surcharges for 2018. More info...

Apr 4, 2018
3 Common Money Myths You Probably Believe
Eric Roberge
If you want to build your wealth, itís never been easier to learn how to do that, I
Anyone with an Internet connection can find the answers to just about any question in a matter of seconds. You can teach yourself almost anything, which is an amazing advantage, because knowledge truly is power.

But there are some huge downsides to all this freely available information. For one, anyone can publish whatever they want on the Internet, whether itís factual or not. And much of this information, factual or otherwise, comes without a lot of context. Without context, you might find yourself buying into some myths that just arenít true. More info...

Apr 2, 2018
3 Things You Should Never Ask Your Financial Advisor
Garth Friesen
As you get around to opening your Q1 brokerage statement, take a breath, and remember: donít judge somebody (especially your financial advisor) until you have walked a mile in his or her shoes. Itís easy to judge the actions of others in hindsight and opine on sub-optimal outcomes when we are not responsible for making decisions ourselves.As you get around to opening your Q1 brokerage statement, take a breath, and remember: donít judge somebody (especially your financial advisor) until you have walked a mile in his or her shoes. Itís easy to judge the actions of others in hindsight and opine on sub-optimal outcomes when we are not responsible for making decisions ourselves. More info...

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