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How Businesses Can Stay Afloat
May 18, 2020

Pandemic or not, America’s businesses clearly need a plan to survive an economic downturn. If the owner of a small business has not delegated authority, a health issue affecting the owner could derail that business. The closing of a town’s major employer can drive customers of small businesses out of…

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Insuring Income In Coronavirus Outbreak
May 4, 2020

As the COVID-19 strain of the coronavirus flows through our nation’s population, many Americans may find themselves working shorter shifts, working from home, on paid or unpaid medical leave, furloughed or even laid off. While additional remedies from federal, state and local governments may be forthcoming to help households sustain…

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Your Money Persona
March 23, 2020

We are all unique individuals with distinct personalities, likes and dislikes as well as different ways of talking, thinking, solving problems and interacting. We have exclusive modes of expressing ourselves through dress, grooming and our own catchphrases. And, we each have our own way of thinking about money. Some of…

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Inheriting a 401(k) Plan
March 16, 2020

Within the scope of an investment portfolio, the commonplace 401(k) may seem to be a simplistic account. But it’s not, especially when it comes to estate and legacy planning. The named beneficiary on the plan will inherit your 401(k) regardless of your will’s instructions. And from there, a spectrum of…

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Getting a Fix on Health Care
January 15, 2020

If you’ve been lucky enough to receive employer-subsidized health insurance throughout your career, retirement may be a bit of an eye-opener. Many retirees expect Medicare to cover all their health care expenses, but it doesn’t. You’ll pay a premium for comparable coverage, plus you may have to contribute to deductibles…

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The State of the Sharing Economy
January 7, 2020

The financial hardships of the Great Recession forced many people to start thinking outside the box. The “sharing economy” gained popularity in the late 2000s because it provided more affordable means to travel, maintain homes and access piecemeal work for small businesses. This was the beginning of Airbnb, Uber and…

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Savings Strategies for Travel, at Home or Abroad
December 16, 2019

Here’s an idea for restless young adults and adventurous retirees alike: Get paid to live in Italy. The region of Molise, east of Rome, has more than 100 underpopulated villages that are fading away due to migration to larger cities. These communities — some are walled, medieval towns set among…

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Companies Get Creative With Health Care Offerings
December 10, 2019

The Health Insurance Marketplace open enrollment season has begun (Nov. 1 through Dec. 15) for people who do not have access to health insurance plans at work. For the 2020 plan year, 20 more insurers have entered the federal exchange market and the average premium dropped by 4% from last…

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Credit Cards: News, Trends and Tips
December 2, 2019

Sometimes it feels as though we don’t learn from our past financial mistakes. Back in 2008, as a contributor to the recession, consumer debt reached a record high of $12.68 trillion. As of the end of the second quarter in 2019, Americans surpassed that number by $1.2 trillion; we now…

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Generational Differences in Handling Money
November 21, 2019

The baby boom generation is the demographic engine that has driven U.S. economic growth over the past 50 years. But now, as boomers work less, spend less, retire and draw on retirement funds, that baton is being handed over to Generation X and millennials. The economy is fueled by consumer…

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