home costs
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How Your Next Home Purchase Can Make or Break You

Everyone knows that a home is a major purchase, but most people don’t take the big picture view when they take the plunge. Did EGO get in the way (subconsciously) when you made a home purchase? We know that we are judged by our house and that…
retirement and college planning
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Mortgage Payment is a Retirement Killer

Will your retirement be put off because you still have mortgage payments to make?   For millions of Baby Boomers, they cannot afford to stop working until their mortgage is paid off or they decide to downsize. I spend many of my days…
retire or work
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When Will You Be Able To Retire?

When will You have Enough Money To Retire? Brief History Lesson: The term “retirement” came to be recognized when the Social Security Act of 1935 allowed people to quit work and collect a tax funded paycheck when/if they reached the age…
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How to Avoid Disastrous RMD Penalties

How to Avoid a HUGE Penalty from Missing the Required Minimum Distributions (RMD) from IRA. Failure to withdraw an RMD by the deadline results in one of the most onerous penalties in the tax code! 50%. That's right! If you were supposed to…
financial planning
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How to Use Life Insurance to Save You From Devastating Health Care Costs

New Use for Life Insurance Read this post carefully if you or your parent has assets they want to pass on to their kids. Most senior citizens consider buying long-term-care insurance because they know that the cost of significant care is exorbitant. …