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10 Financial Things To Do Before Year End

       There are a lucky 13 days remaining in 2014 it’s not too late to consider at least one of these financially savvy ideas: Taxing matters If you’re paying estimated taxes, now would be a good time to review your payments, especially if you had a big change in income from the prior year, Estimated […]

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Is Your Credit Card Keeping You From Financial Success?

  Most of my clients tell me this isn’t true, because they pay their card balance off in full each month. I say, “That’s part of the problem!” We all have a propensity to spend up to what we know we can afford to pay off each month. Those that carry and grow their balances […]

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Fictitious Balance on Your 401k/IRA Account Statement

Your account balance carries a hidden surrender charge. Millions of working Americans contribute a percentage of their earnings to a 401k account while many also have IRA accounts, most of which were formerly 401k that were rolled over to IRA’s. While some people follow the daily moves of their account balances, other wait patiently for […]

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Money vs. Memories: The Cost of Being Too Frugal

Being frugal all the time can cost you plenty in the form of memories. Life is too short to not splurge a little for memorable experiences, even if it means being less frugal and paying extra for special activities or events. There are 365 days in the year. Out of all those days, how many […]

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High Gas Prices Cripple Economy

 After taking my son on a baseball trip last week to Cincinnati and driving over 1,000 miles and spending $200 in gas, I thought about the impact gas prices have on people’s lives. Listening to parents complain about all the driving gets old after a while, but it sure is real. Whether driving to work or to our kids’ […]

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60

60. The minutes in an hour, the year JFK was elected as president, the millions Joakim Noah is paid in his 5 year contract with the Chicago Bulls, and the percent of Americans who have admitted to not having a personal financial budget (NFCC survey). Oddly enough, 100 million U.S. adults have also admitted that not having […]

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How Long Has It Been Since You Rehabbed Your Home?

This is a guest post by Elisa Niesen and Lynne Gerding, Realtors and Renovators based in Naperville, IL, www.elisaandlynnehomes.com. Spring has finally SPRUNG and if you’re from the Midwest then I’m sure you were as miserable as we were! Every year it is a time of preparation and a revival of the old to make things new. We couldn’t think […]

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A Quintessential Rite of Passage…The Cost of Driving (Part II)

Last month our youngest son turned 16 and experienced that long awaited moment…he obtained his driver’s license! A euphoric experience for him, but frankly a somber reality for us as parents.  Last week I wrote about the steps required to obtain a driver’s license and the responsibilities that accompany the privilege to drive a vehicle.  […]

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Spoiling Kids Could Make Them Rotten and you Poor

Kids have always been sponges when it comes to learning from their parents. As an adult, I can reflect on what I learned from my mom and dad. I admit (and am proud of) that I’m a lot like they were/are.  Unfortunately, I’ve spoiled my kids more than I should have and am paying the […]

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Are upcoming health plans for you?

When the Patient Protection and Affordable Care Act starts rolling out in October, it will overhaul how Americans get health care coverage. You will find yourself in a maze of different options.  I came across this article in the Sunday Chicago Tribune this past Sunday.  Hopefully it may be a start to assist you in […]

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