My Experience is Your Gain

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Together or Separate? It’s Complicated!

Love is a beautiful thing and weddings can be the most spectacular events. Unfortunately, love and weddings do not always lead to a marriage that ends happily ever after. In fact, statistics show that 40% – 50% of first marriages in the U.S., 60% of second marriages in the U.S., and 70% of third marriages […]

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Money Messages

Why do you value money the way you do? Why do you view it like you do? What does money mean to you? Have you ever thought about that? Whether or not you have thought about it, each of us sees money differently. But they way we view, value, and define money is usually broken […]

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The Illusion of Wealth

According to Merriam-Webster, illusion is defined as a misleading image presented to the vision or something that deceives or misleads intellectually. When it comes to money, many people are portraying an illusion. They are portraying an image that they have a lot of money and that everything is financially OK with them. You could never tell by […]

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The Best of Both Worlds

For many the thought of banking without having a physical location (also known as a branch or a brick and mortar location) to go to is unthinkable. They cannot imagine not seeing a person to hand their deposits to or not going into an office to ask questions and/or to discuss their account with a […]

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Never Too Young To Learn

Most of us were never taught how to manage money. That is why so many of us have made so many mistakes when it comes to money. We spent more than we made. We never started saving. We abused and overused credit. We did not participate in an individual or employer sponsored retirement plans. And […]

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It’s Never Too Late To Change

Usually when I do financial education seminars or classes most of the attendees are over 40 years old unless the seminar is specifically for students and/or a young audience. I have nothing against the older attendees because the information I present is relevant for all age groups. However, I wish more young people would attend […]

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The Key to Success

There are several strategies to pay down and to pay off debt, to manage your money, and to save your money. There is “Debt Stacking”, “Snowballing”, “Envelope Method”, “Paying Yourself First”, and many more. All of these methods have successful accounts of people becoming debt free and/or financially free. However, I would dare to say […]

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How To Outsmart the Bank

We have all seen the offers with introductory rates or free trial periods. They are available for various products including credit cards, cable television and online shopping websites. Banks make offers to open a new credit card with a 0% introductory Annual Percentage Rate (APR) for one year. There are also offers to transfer the […]

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