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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. There’s insurance for your vehicle, your home, your cell phone, and your pet. Health, life, disability, and long-term care insurance are also important products to protect […]

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’re also thinking about 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 to these questions – and more – […]

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 […]

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 […]

Are Timeshares Worth The Money In The Long Run?

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Compensation in the form of free entertainment tickets, five-star dinners, reduced-priced trips, or gift cards for attending timeshare presentations might be worth a couple of hours of your time. But are vacation timeshares worth the money in the long run? While it might be hard to say no to these free or great “sale” priced […]

What Is A Reverse Mortgage And Should I Get One?

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Financing your retirement is no easy feat. You’ll need enough money to cover your regular expenses, your hobbies, and potentially significantly increased medical costs. If you’re worried about funding your golden years and you own a home (either free and clear or with a small mortgage balance), a reverse mortgage could help alleviate your stress. […]

Tax Lien Investing: What Is It And Can You Make Good Money?

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You want to diversify by adding some alternative investments to your portfolio. As you research options to help you build wealth, your interest in real estate investing grows. But you also have many opportunities to consider. Does buying a single-family rental make sense? Should commercial real estate be on your radar? Passive investing in Real […]

What Are Alternative Investments And Should I Hold Any?

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Saving cash in money markets or CDs, and investing in the stock market via stocks and bonds through 401(k)s or IRAs are where many of us start when looking to grow our money beyond a simple savings account. As we continue to look for ways to build our wealth and secure our financial house we […]

What Is Long Term Care Insurance And Should I Get It?

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It feels like there’s an insurance product for just about every element of the human experience. After all, you can insure your health, your home, your car, your ability to work, and even your life. While some coverage is compulsory, at the end of the day, insurance is about hedging your bets. Sure, something terrible […]

What Is Job Burnout And What Should I Do If I Have It?

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You might spend tons of money and years in college preparing for a career. You may start a job out of high school, and work your way up to management. Or instead, you’ve taken an entrepreneurial route dedicating incredible amounts of time, energy, and money building a business. Few could question how hard you work […]

Should I Invest In A Vacation Property?

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You loved the house you rented at the beach. The ski-in, ski-out condo you rented over the holidays was perfect for your family. Your lanai overlooking the 4th tee at the golf resort was amazing. The leaves at peak color all around the cabin you rented in the mountains reminded you of your childhood. Now […]

Turning My Hobby Into A Business, Are There Tax Benefits?

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You started out designing t-shirts for a family reunion. Before you knew it, requests for other designs were trickling in. Does this sound familiar? Maybe it isn’t graphic design. Perhaps it’s dog walking, babysitting, reselling, or crafting. If you’re like most people, you have a hobby you love and are really good at. A growing […]

What Business Structure Is Right For My New Business?

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After lots of dreaming and planning, you’ve settled on a business idea. You’ve chosen a name, identified target customers and have a color scheme planned for your website and marketing materials. But before you get too excited, there are many additional considerations to be made. One of the most important is deciding on a business […]

What Should I Do About My Parents’ Debt?

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Managing your finances is a complicated endeavor with a lot of independently moving parts. You may have children to support, day to day bills to cover, debts to pay off, and a retirement to plan. And, to throw even more into the mix, you may come to a point where you need to intervene in […]