Many financial experts recommend having some of your investment portfolio in real estate. For most individuals that would only include their home, as buying an investment property is either out of the range of the average individual, or isn’t something the average investor wishes to deal with. Thankfully, there are other options that allow the [...]
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Many employees have a benefit they may not be aware of, or may not understand. I’m referring to employee stock options. Employee stock options, also referred to as company options, are a call option. If you are familiar with stock options trading, you will understand that to be an option to buy stock at a [...]
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If you opened your wallet right now, what would and should you find? Starting out with the most important of things, most Americans carry identification (usually in the form of a drivers license). Moving down the list, you’ll find a variety of other identification cards, pictures of family and friends and cash. Finally, the heaviest [...]
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When I was a child, my parents and Grandmother bought my siblings and I United States Savings Bonds for our college savings. It was a very generous gesture on their part and I redeemed my US Savings bonds when I went off to college, where they certainly came in useful. When I was younger, I [...]
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If you know anything about Dave Ramsey, you should know this: He hates debt, and he hates credit cards. And with good reason. He made some poor financial decisions in his younger days and lost a multi-million dollar real estate portfolio he had built. He was living beyond his means and he took on too [...]
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The economy is difficult for many people right now, and if you experience a genuine financial hardship, you may be able to tap into your retirement accounts to make a hardship withdrawal from that account. Eligible accounts usually include employer sponsored retirement accounts such as a 401k plan, the Thrift Savings Plan, etc. However, just [...]
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My wife and I put our home up for sale a couple months ago and it took a lot of work to get it ready to show. The biggest obstacle wasn’t the cleaning, though we did a lot of that! The biggest chore was decluttering our rooms, closets, basement, cupboards, and everywhere else in our [...]
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