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Donor-Advised Funds: Are They the Best Way to Give?

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Donor-advised funds. Everyone seems to be talking about them as a better way to give to charity. But what are they, exactly? Why have they become so popular and what are the benefits of setting up donor-advised funds for charitable giving?  You may be wondering if there’s any benefit to setting one up if you’re […]

Is Buying Rental Property In A College Town A Good Idea?

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Whether you currently invest in real estate or are new to the idea, buying rental property in a college town might have crossed your mind. Much of the standard real estate investing advice applies to properties in college cities. But there are some key differences to consider before you start buying rental properties near a […]

Guardian & Conservatorships: What’s Involved When Caring For An Adult?

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We know the thought of creating an estate plan might make your head spin. But failing to do so can cause way more mind-numbing, stressful, and time-consuming efforts later.  Creating power of attorney (POA) documents as part of an estate plan assigns an individual the authority to make decisions in financial or medical matters for […]

What Is Tax-Loss Harvesting And How Can It Save You Money?

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There are many facets to investing. One thing all investors will not want to overlook is the tax consequences that come with being a successful investor. Because all net profits made from investments sold in taxable brokerage accounts come with tax liability, your investment strategy should consider the consequences. To reduce tax liability, a strategy […]

Are Precious Metals A Good Alternative Investment?

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Good investment advisers always promote the importance of investment diversification. While each investment market comes with inherent risks, the riskiest move of all would be putting all your investment dollars in one basket.  A lot of bad things have to happen in a short period for a well-diversified investment portfolio to suffer colossal damage. A […]

How Can Networking Help My Business Thrive?

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At its core, networking is about meeting people and expanding your circle so you can get more done and make a more extensive impact. Often viewed as a helpful tool for job seekers who need to connect with hiring managers, networking is just as critical for entrepreneurs to grow their businesses too. Think about it. […]

How Can You Avoid Financial Mistakes In A Divorce?

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Divorce affects people on every level – mentally, physically, emotionally, and even socially. Financially, it has the potential to be a complete disaster as it’s not difficult to make mistakes. Financial mistakes women make when going through a divorce include: Focusing too much on small details Thinking short-term Denying poor financial habits Seeking revenge Relying […]

Holding A Mortgage: What Does it Mean And Can It Make You Money?

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You’ve worked hard to pay off your home, but the time has come to sell. Whether you are upgrading, downsizing, or moving to a new state – you’re in the financial position to “act as the bank” for the new buyers. Holding a mortgage, also known as seller financing or owner financing, is one way […]

Health Savings Accounts: Pros, Cons and Contribution Limits of HSAs In 2019 and 2020?

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During health plan or open enrollment time, your place of employment probably looks like many others. There are lots of “water cooler” conversations about different plans, past experiences, deductibles, and copays. Health savings accounts or HSAs are drawing your attention, and you want to learn more. Let’s say last year you spent $8,000 on the […]

Is Hiring A Coach Worth The Money? (And Do I Need One?)

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You’re ready to make a significant change or to improve some part of your life. But you’re struggling to do it on your own. You’re finding it challenging to stay on top of “all the things” to know or with motivation or mindset to reach your goal. Whether the changes we want to make or […]

Can I Save For Retirement While Helping My Kids & Parents?

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If you’ve asked yourself how you’ll save for retirement while also financially helping your kids and parents, you’re not alone. A few years ago, the Pew Research Center reported that almost half of all adults in their 40’s or 50’s were either raising a child or supporting a grown child, while also helping a parent […]

Is Real Estate Investing A Good Way To Build Wealth?

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The answer to whether or not real estate investing is a good way to build wealth depends entirely on your definition of wealth. Your individual long and short-term goals, as well as your threshold for risk, are crucial factors in determining if investing in real estate is the right path for you. Let’s unpack that. […]

Is Investing In Fine Art Right For You? [A Masterworks Review]

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This article is sponsored by Masterworks. All opinions are our own. Now that you’ve been investing in the stock market for a while, you’re thinking about diversifying into alternative investments. You might decide to start with peer-to-peer lending. Although investing in real estate or tax liens might interest you more. You can also buy gold […]

What Are Employee Stock Options and How Do They Work?

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While you might enjoy your job, there aren’t many people who wake every day and go to work just because they like it. Unless you’re financially independent, there’s a good chance one of your primary motivations for working is earning a paycheck and benefits. With the unemployment rate under 4% in the US, there’s plenty […]

Should You Hire Friends and Family for Your Business?

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When you own a small business, you need to wear many hats to run and grow your enterprise.  However, there will come a time when you can’t do it all alone and need to hire employees. When you reach that point, it may be tempting to enlist the help of family and friends.  After all, […]

What Does It Mean To Self-Insure And Can It Save Me Money?

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When you’re working on getting your financial house in order, it can be overwhelming to consider all the different insurance products you can (and sometimes are required to) purchase. To protect your financial future there’s insurance for your: Health Life Disability Vehicle Home Cell phone Pet Long-term care You can also buy flood insurance, extra […]

Cryptocurrency Craze: In The Past, Or Big Part Of The Future?

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With over 1500 different cryptocurrencies available over the Internet, and with Facebook recently announcing its version, Libra, more investors want to know what cryptocurrency is, how it works, and if it’s a viable investment. Even after more than five years in the financial limelight, the public still views cryptocurrencies with skepticism today. They first garnered […]

Postnuptial Agreements: Who Needs Them And Why?

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A wedding is an exciting time. There’s beautiful flowers, dresses, and celebrations. The couple vows to a lifetime of love, respect, and commitment to one another. When they enter into their life together, they’re happy and content, and they never expect that to change. But they can’t predict the future. Unfortunately, people fall ill, incur […]

What Are The Best Ways To Help Aging Parents Financially?

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Whether you’re just starting to take control of your finances or already working toward financial independence, you might also be thinking about a common financial fear – your aging parents and their money. Are they financially prepared for retirement? Is their retirement plan to just keep working? Will they need your financial help? The answers […]

What Is A Backdoor Roth IRA And Is It Right For Me?

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When it comes to retirement savings accounts, there are several options available. But your choices for individual retirement accounts can seem limited if you’re a high-income earner. This is especially true when you look at the Roth IRA. A Roth IRA (Individual Retirement Account) is an excellent way to save for retirement. Though you pay […]

Airbnb Vs. Long-Term Rental: Will One Make Me More Money?

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Whether you already own a rental property or are looking to get into real estate investing as a way to grow your wealth, you may be asking yourself this question. Should I use the property as a long-term rental or try short-term rentals on a website like Airbnb? If you’ve heard the hype that you’ll […]

Which Of My Business Ideas Is The Best To Pursue?

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You’ve always had an entrepreneurial spirit. Maybe you have family members or friends who’ve started successful companies. You’re realizing a hobby you enjoy could bring in money if you made it a business. Diversifying streams of income is something you want to pursue. There are lots of reasons starting a business is on your mind. […]

What Do I Need to Know About Buying Bonds?

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Money sitting in traditional checking or savings accounts usually loses value over time due to inflation. Even high-interest online accounts just started beating inflation rates over the last year. The best thing you can do with your excess cash (assuming you have extra) is to invest it and create more value. As an investor, you […]

What Is An Advance Care Directive And Do I Need One?

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Imagine you’ve become incapacitated. You may be unconscious, or unable to speak or reason. How do you want your medical treatment handled? If you’ve never documented your wishes or at least discussed them with your spouse, parents, or adult children, medical personnel will make those decisions for you. To ensure you receive medical treatment in […]

What Are The Best Robo Advisors For Socially Responsible Investing?

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Maybe it’s because you have kids. Perhaps it’s because you only want to support companies inclusive in their hiring practices. Maybe it’s because you love Jesus. Maybe it’s because you’re a humanist that understands our planet is not going to sustain life much longer at our current clip. Whatever your reason for being interested in […]