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If you’re a parent, it’s never too early to start planning for your child’s college education. The cost to attend college is steadily rising every year. Luckily, there are several ways to pay for your child’s college education without putting them into debt. If you plan now, you can set your child up to attend college with plenty of money in place to cover the costs.
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Planning for retirement is too important to leave to chance. Life expectancy is increasing with every decade, which is great news. However, it also means that preparing for retirement needs a fresh perspective.
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We all know we need a will so that our affairs will be in order and our last wishes carried out once we have passed on. But did you know you have options when it comes to creating a will? You may have heard that you can actually do-it-yourself when it comes to creating a will, and it is fairly easy to accomplish online.There are a few considerations to make, however, before going this route.
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Many financial advisors charge clients via commissions, an AUM fee, a combination of fees and commissions, or an hourly rate. These methods guarantee that the financial advisor sees a healthy return for their time and effort. However, they may not be the best method for your wallet.
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Paying off a primary mortgage is important, which is why so many people give it priority over other financial goals. However, this might not always be the best method to grow your wealth. A mortgage can definitely hinder your ability to save, but there are some situations where saving and investing should come first.
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Setting a manageable budget is hard enough on a fixed income. After all, emergencies or unplanned expenses can add a lot of variables to your budget, even if your income doesn’t change. So what happens when your income changes from month to month? How can you set a budget that works for you?
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Supplemental group insurance can be a great way to add an extra layer of security in your life. However, like any form of insurance, you will need to weigh the costs and benefits of adding to your existing plans. This begs the question: is supplemental group insurance the right option for you? While there is no one-size-fits-all answer, there are a few things you should consider before making any decisions.
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Though they have been around since the 1970s, 401(k) plans are still one of the best ways to save for retirement. Nowadays, many 401(k) plans allow for Roth contributions. You’re probably wondering: what exactly is a Roth contribution? And should you make Roth contributions inside your 401(k)? What are the benefits? We will discuss all of this and more, but first let’s look at how 401(k) accounts utilize Roth contributions.
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It may seem counter-intuitive, but spending your Health Savings Account (HSA) contributions on medical expenses now could be a huge mistake. While medical expenses are a necessity, it could actually save you a lot of money to use your own funds to pay for healthcare costs, especially while you are young.
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