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Should You Refinance?

Perhaps you didn’t get around to refinancing your mortgage while rates were lower over the past few years. But over the summer, mortgage rates dropped again. In fact, the day after Great Britain voted itself out of the European Union, rates dropped as much as .125 percent. A primary factor in deciding whether to refinance […]

Spending Influences

Everyone has their own unique way of spending money. Even people who live in the same house or grew up under the same parental influences can turn out drastically different. Some people are minimalists while others simply like to buy stuff. A variety of factors can shape our values when it comes to spending and […]

That Time of Year – Winterize your Home

Over time, small efforts at saving can add up to big bucks. Consider these low-tech tips to help offset some of your heating costs this winter. Windows – Up to 40 percent of the heat escaping from your home is from uncovered windows.1 Use an easy-to-install window insulator kit that provides clear heat shrink window […]

U.S. Women Lagging in Leadership Roles

Although a woman was selected to be a major party’s candidate for the first time in this year’s presidential race, leadership positions are still lacking for American women in the corporate world. According to a 2016 research report by Mercer titled “When Women Thrive, Businesses Thrive,” females make up only 20 percent of executive-level positions. […]

Spending Influences

Everyone has their own unique way of spending money. Even people who live in the same house or grew up under the same parental influences can turn out drastically different. Some people are minimalists while others simply like to buy stuff. A variety of factors can shape our values when it comes to spending and […]

Estate Planning Basics

Chances are, you’re probably not spending too much time thinking about end-of-life planning. And while you may or may not be in your prime, you may have loved ones who will soon face these questions. It’s unhappy to think about, but you might be the one tasked with sorting out their affairs. Knowing the basics […]

The Pre-Retirement Bucket List

Crossing items off a bucket list is one of the things pre-retirees look forward to most. However, there are some things to check off during your working years that could make retirement even more enjoyable. If you have dreams of climbing Mount Kilimanjaro or touring Napa’s wine valley, you might consider giving something on your […]

Guaranteed Income Important to Americans

In the past, employer-sponsored pensions were much more common, and employees were encouraged to save more thanks to contribution matches. Now, 401(k)s are the leading retirement savings vehicle in the workplace, and self-directed savings, with varying degrees of employer matches, leave retirees’ financial futures all over the board. As a result, more people lack the […]

The Mature Person’s Job Search

Although a woman was selected to be a major party’s candidate for the first time in this year’s presidential race, leadership positions are still lacking for American women in the corporate world. According to a 2016 research report by Mercer titled “When Women Thrive, Businesses Thrive,” females make up only 20 percent of executive-level positions. […]

5 After Tax Balance Rules for Retirement Accounts

Most retirement plan participants use pretax assets to fund their employer-sponsored plans such as 401(k) and 403(b) accounts, or they claim a tax deduction for amounts contributed to their Traditional IRAs. In both cases, these contributions can help to reduce the individual’s taxable income for the year to which the contribution applies. However, it is […]