A popular retirement assumption that can backfire

Apr 23 11:00am Personal Finance
Retirement planning falls prey to magical thinking. Don't let it mislead you too.
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Utopia

Apr 23 8:46am Early Retirement Extreme
In our brave new world, progress is the process of inventing and creating products and services that can be sold at a profit to the consumer. Here, profit takes precedence over all other values, and so marketability is the primary form of aesthetic value. Thus, the product that sells the most IS the best. Therefore […]...
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This Week/April 23-29

Apr 23 3:31am HumbleDollar
SET UP A HOME EQUITY LINE OF CREDIT. Be sure to read the fine print. But typically, all that’s involved is paperwork and perhaps a $50-a-year fee. Ideally, you’d never use the credit line. But it could come in handy if you have a financial emergency and as a lower-interest, tax-deductible alternative to car loans and education loans. The post This Week/April 23-29 appeared first on HumbleDollar.
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Making Your Company More Attractive to a Global Audience

Apr 22 4:55pm Money Spruce
The “marketplace” has changed from a very local audience, to one that you can tap into without any difficulty, as proven by portals like eBay, Amazon, or even Etsy. Your homemade hand cream can become a big hit in Asian markets, just like your water purification system can become a household staple in Peru. As much as we would like to think that these things just “happen” by chance, the reality is that it takes some effort to prepare your product or service to be used overseas. From educating yourself on things like duties, shipping and handling, digital marketing, and … This post originally appears here: Making Your Company More Attractive to a Global Audience...
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Trading with Tact

Apr 22 4:52pm Money Spruce
Different things attract people to trading. For some it’s the opportunity to minimize their debts with relatively little work, for others it’s a chance to supplement their retirement plan, while still others just enjoy the thrill of it and the shock of adrenaline. Everyone’s situation is also different, as some use their savings, some their extra income, and others consider borrowing money so that they have something to start with, something that we personally don’t recommend. However, one cannot forget that financial trading comes with risks. There are no guarantees of success and massive or even modest financial gains. Many … This post originally appears here: Trading with Tact...
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How to Save on Legal Costs When Part of a Dispute

Apr 22 4:50pm Money Spruce
The idea of court is very exciting when it’s on TV. When you’re sitting in that room, hoping that you win, but worried that you won’t, it’s painful. Not only is it a real blow to the nerves, it can obliterate your finances, regardless of whether you win the case or not. When we are involved in or run a business, there is always the chance that a commercial dispute can arise. There are a number of ways this could happen, from issues with your partner or shareholders, poorly defined contracts, lack of payments to other companies, and more. The … This post originally appears here: How to Save on Legal Costs When Part of a Dispute...
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Why your credit score may matter more to auto insurers than your driving record

Apr 22 3:00pm Personal Finance
Poor credit can affect your car insurance premiums more than having two DUIs.
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States to Cut College Costs by Introducing Open-Source Textbooks

Apr 22 2:34pm Personal Finance News
College costs have been increased tremendously with the total outstanding student loan debt surpasses $1 trillion in the U.S. Every cost associated with higher learning has steadily increased over the past decade, but none more so than college textbooks. According to the U.S. Bureau of Labor Statistics, the cost of textbooks went up by 88\%, […] The post States to Cut College Costs by Introducing Open-Source Textbooks appeared on Personal Finance News.
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Profitable Ideas: Simplifying For Your Kids Sake, Why Pinterest Isnt In Your Best Interest, and More

Apr 22 11:29am Matt About Money
A weekly roundup of some of the more interesting and helpful personal finance articles I’ve read recently. Why simplifying may protect our children’s mental health (No Sidebar). Less clutter equals less stress. Is Pinterest the enemy of your finances? (The Simple Dollar). One more example of how social media can be hazardous to your financial […]...
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Financial Fitness Tips

Apr 22 11:25am Money Soldiers
Image source Whatever your age or current financial situation, it is never a bad idea to actually check in on your financial situation, and do what you can to improve it, from time to time. If you want to be financially fit, you need to consider the following: Know Your Assets and Liabilities If you […] The post Financial Fitness Tips appeared first on Money Soldiers.
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5 Reasons Why Having Bad Credit Doesnt Have To Be The End of The World

Apr 22 11:21am Money Soldiers
Long gone are the days when you would be saving up in cash to buy anything that you need. These days, especially with online shopping, you can buy quite literally anything, easily and on credit. Things have never been more accessible. However, just because they are, it doesn’t mean that you should be using credit […] The post 5 Reasons Why Having Bad Credit Doesn’t Have To Be The End of The World appeared first on Money Soldiers.
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Tips for Keeping Your Employees Motivated and Striving To Excel

Apr 22 11:15am Money Soldiers
Your employees are one of your most important assets. In order to optimise the effectiveness of this asset you need to make sure that your workforce is motivated and wants to excel. If you have people working for you who are just going through the motions, this can have an adverse effect on the motivation […] The post Tips for Keeping Your Employees Motivated and Striving To Excel appeared first on Money Soldiers.
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5 Reasons I Favor Junior Exploration Companies

Apr 22 10:37am Modest Money
The following post was originally published on TheDailyGold.com I started following Gold and precious metals in 2002 and first invested in small cap and junior resource companies in 2005. Until recently… The post 5 Reasons I Favor Junior Exploration Companies appeared first on Modest Money.
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How to Make Spaghetti and Meatballs Even Cheaper (Yes, With Real Meat!)

Apr 22 10:00am The Penny Hoarder
It’s romantic. It’s kid-friendly. It’s delicious. And it’s cheap. But we figured out how to make this spaghetti and meatballs recipe even cheaper. Here’s how. This was originally published on The Penny Hoarder, one of the largest personal finance websites. We help millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. In 2016, Inc. 500 ranked The Penny Hoarder as the No. 1 fastest-growing private media company in the U.S.
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Eight Key Strategies to Help Keep Overbooked Families from Overspending

Apr 22 8:00am The Simple Dollar
This time of the year, our family always feels incredibly overbooked. Our three children are each in a couple of activities all throughout the year that are really easy to manage. Musical practice once a week paired with martial arts practice twice a week in the evenings isn’t a problem. I participate in a couple of community groups, as does Sarah. This is all easy to manage along with the normal routines of our life. In the springtime, however, things ... The post Eight Key Strategies to Help Keep Overbooked Families from Overspending appeared first on The Simple Dollar.
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On-Campus Jobs Can Help You Pay for College But Are They Right for You?

Apr 22 6:00am The Penny Hoarder
On-campus jobs are a convenient form of employment for students, but are they right for you? Here’s how to find out. This was originally published on The Penny Hoarder, one of the largest personal finance websites. We help millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. In 2016, Inc. 500 ranked The Penny Hoarder as the No. 1 fastest-growing private media company in the U.S.
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Top 5 Reasons to Retire Early

Apr 22 3:30am The White Coat Investor – Investing And Personal Finance Information For Physicians, Dentists, Residents, Students, And Other Highly-Educated Busy Professionals
Need some reasons to save your pennies so you can retire early? Here are five great ones. But you probably only need one of them.
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Ten Commandments

Apr 22 3:08am HumbleDollar
IMAGINE YOU HAD ONE SHOT at offering financial advice to a high school or college graduate. Your mission: Come up with 10 rules that’ll help your graduate succeed financially in the years ahead. What would you recommend? Here’s my list: 1. Question yourself. No doubt you’re entering the adult world with a slew of strong opinions—about what you want from life, what will make you happy, what you’re good at, what constitutes success and how to achieve it. The post Ten Commandments appeared first on HumbleDollar.
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How Luxury Brands Like Gucci Stay Relevant in the Changing Times

Apr 22 1:03am Modest Money
Gucci was founded almost 100 years ago, but it has found a new lease on life in recent years. Never far from the spotlight, the Italian luxury brand has managed… The post How Luxury Brands Like Gucci Stay Relevant in the Changing Times appeared first on Modest Money.
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4 Reasons to Fund Education with a 529 Plan

Apr 21 10:23pm Abacus Wealth Partners
It's never too early to start planning for the cost of education. The post 4 Reasons to Fund Education with a 529 Plan appeared first on Abacus Wealth Partners.
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Solving the Stock Option Dilemma

Apr 21 8:19pm Abacus Wealth Partners
Tuesday, May 9, 2017 at 6:00 p.m., We're now launching a series of educational talks in our Santa Monica office just in time for summer! Next month join us to learn about how to solve the great stock option dilemma for yourself. The post Solving the Stock Option Dilemma appeared first on Abacus Wealth Partners.
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Finding A Reliable Forex Broker: 7 Things To Pay Attention To

Apr 21 7:24pm Money Spruce
Does it make sense to open a trading account and invest your money in the deposit if you do not have any guarantees of its safety? Why carefully analyze price charts and study the fundamentals of the foreign exchange market if the profits we earn can be being taken away by fraudsters? It all comes down to the reliability of a Forex broker, which is usually assessed by such criteria as credibility, work history, insurance of risks and liabilities, availability of a license and the possibility of legal conflict resolution. 1. Credibility Authority in forex trading is a vague concept. … This post originally appears here: Finding A Reliable Forex Broker: 7 Things To Pay Attention To...
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The Rating Of The Best Forex Brokers

Apr 21 6:54pm Free Money Wisdom
The rating is formed according to the the four main criteria that characterize the broker. All reviews were manually checked by the moderator in order to avoid multiple votings from one IP and make sure all of the information was up to date. So, if you want to choose the best broker today, here’s the […]...
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ULIP Investment Plan to Manage Your Wealth

Apr 21 6:49pm Free Money Wisdom
“How can I get rich?” “What is the easiest way to grow my money?” These are the questions that often run through your mind from time to time. But often, you fail to find a prompt answer to this. However, the answer to the first question can be “Grow your money and you will become […]...
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The Median American Household of Retirement Age Has $12,000 in Savings

Apr 21 5:11pm Personal Finance News
Do Americans have a saving problem for retirement? Many Americans do not have enough savings ever to be able to retire comfortably. The median family of retirement age has $12,000 in savings. Using the 4\% safe withdrawal rate, that’s only $40 per month in retirement income. That is a terrifying figure to remind younger people […] The post The Median American Household of Retirement Age Has $12,000 in Savings appeared on Personal Finance News.
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4 Smart Money Moves for Getting Ahead Financially in Your 20s

Apr 21 4:56pm Modest Money
So you have enjoyed your youth, graduated with a degree or earned a professional designation, and landed your first real job. Now it is time to grow up, knuckle down… The post 4 Smart Money Moves for Getting Ahead Financially in Your 20s appeared first on Modest Money.
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The Financial Supplies Your Office Needs

Apr 21 4:53pm Money Spruce
The path to becoming a small business owner is exciting but challenging. Maintaining the books, finances, and accounting practices is not an easy task. As a small business owner, there are some supplies that can help make these processes a bit easier. Stock your business with these financial supplies to make sure your financial tasks are always on track. Deposit Slips and Other Paper Products Image via Flickr by CarbonNYC [in SF!] A small error can multiply over time and can cause problems with payments or even when tax time comes around. Thankfully, there are smart software options available. Quickbooks … This post originally appears here: The Financial Supplies Your Office Needs...
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Lyft Just Took Steps to Help Drivers Who Are Deaf or Hard of Hearing

Apr 21 4:00pm The Penny Hoarder
Are you a Lyft driver who is deaf or hard of hearing? Lyft just released new app improvements that aim to help you make more money. This was originally published on The Penny Hoarder, one of the largest personal finance websites. We help millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. In 2016, Inc. 500 ranked The Penny Hoarder as the No. 1 fastest-growing private media company in the U.S.
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Got $1? $5? $100? $500? Heres How to Start Investing on Any Budget

Apr 21 3:47pm The Penny Hoarder
Buying and trading stocks can seem intimidating, especially if you’re living paycheck-to-paycheck. Here’s how to start investing -- no matter your budget. This was originally published on The Penny Hoarder, one of the largest personal finance websites. We help millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. In 2016, Inc. 500 ranked The Penny Hoarder as the No. 1 fastest-growing private media company in the U.S.
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Airbnb Tests Slow-Pay System That Could Make Booking Easier on Your Budget

Apr 21 3:44pm The Penny Hoarder
Airbnb is testing a new payment feature that allows guests to book with just a down payment. Will this make it easier for you to afford a vacation? This was originally published on The Penny Hoarder, one of the largest personal finance websites. We help millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. In 2016, Inc. 500 ranked The Penny Hoarder as the No. 1 fastest-growing private media company in the U.S.
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Walmart Has a Sneaky Way of Tricking Customers Into Saving More Money

Apr 21 3:39pm The Penny Hoarder
Walmart keeps adding banklike services for customers. Now, using the Walmart MoneyCard, you could win a cash prize of $1,000 for saving. This was originally published on The Penny Hoarder, one of the largest personal finance websites. We help millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. In 2016, Inc. 500 ranked The Penny Hoarder as the No. 1 fastest-growing private media company in the U.S.
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Health Care Costs Keep an Alarming Number of Americans Awake at Night

Apr 21 3:03pm The Penny Hoarder
Financial stress is responsible for keeping 65\% of Americans up at night, and the cost of health care is their top worry, according to a new survey. This was originally published on The Penny Hoarder, one of the largest personal finance websites. We help millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. In 2016, Inc. 500 ranked The Penny Hoarder as the No. 1 fastest-growing private media company in the U.S.
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Weekend Reading for Financial Planners (Apr 22-23)

Apr 21 2:57pm Kitces.com
Enjoy the current installment of “weekend reading for financial planners” – this week’s edition kicks off with a fascinating new report from Morningstar, finding that the industry’s shift to adopt T shares and Clean shares under DoL fiduciary could improve mutual fund returns in the aggregate by as much as 0.50\%/year, through a combination of costRead More...
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Would You Wear the Same Dress for a Year to Save? 4 Crazy Money Challenges

Apr 21 1:53pm The Penny Hoarder
These money-saving challenges may be over the top, but they offer unique ways to save money for anyone looking to spend less and save more. This was originally published on The Penny Hoarder, one of the largest personal finance websites. We help millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. In 2016, Inc. 500 ranked The Penny Hoarder as the No. 1 fastest-growing private media company in the U.S.
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Is Placing Ads on Your Car a Real Way to Make Money? Heres When its Legit

Apr 21 1:33pm The Penny Hoarder
Car-wrap advertising has been around for a while, but many offers are actually a scam. Here’s what to look out for if you want to cash in on your car. This was originally published on The Penny Hoarder, one of the largest personal finance websites. We help millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. In 2016, Inc. 500 ranked The Penny Hoarder as the No. 1 fastest-growing private media company in the U.S.
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Financial Literacy Month: Should Personal Finance Be Taught In School?

Apr 21 1:10pm Clever Dude Personal Finance & Money
Our public school system is failing our children. April is Financial Literacy Month, but you’d never know it. There’s no special events at our public school, special units in any of the classes, and there’s not a single poster to be found inside the school. The public school’s failure to recognize Financial Literacy Month is […]...
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Paladin Research & Registry Review: Connecting Individuals to High Quality Financial Advisors

Apr 21 12:39pm Cash Cow Couple
To make appropriate financial decisions, individuals need to have a robust understanding of financial markets, products, and services. Without this knowledge, it’s easy to be misled or manipulated by third parties looking to make a quick dollar at your expense. Acquiring a large amount of financial knowledge can be extremely costly for some individuals, requiring a significant amount time, […] The post Paladin Research & Registry Review: Connecting Individuals to High Quality Financial Advisors appeared first on Cash Cow Couple.
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Visit the Happiest Place on Earth on a Budget: 6 Ways to Save Money at Disney World

Apr 21 12:37pm The Penny Hoarder
Yes, you can plan a Disney vacation without spending a fortune. Here’s how to visit Disney World on a budget -- and have a blast at the Happiest Place on Earth! This was originally published on The Penny Hoarder, one of the largest personal finance websites. We help millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. In 2016, Inc. 500 ranked The Penny Hoarder as the No. 1 fastest-growing private media company in the U.S.
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Go Fetch Your Dog a Free Bag of Dog Food This Weekend at Petco. Heres How

Apr 21 12:29pm The Penny Hoarder
Your dog wants you to join the Petco rewards program, and use this coupon to score a free bag of Nutro dog food. This was originally published on The Penny Hoarder, one of the largest personal finance websites. We help millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. In 2016, Inc. 500 ranked The Penny Hoarder as the No. 1 fastest-growing private media company in the U.S.
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As 'Decision Day' looms, here's what to look for on that financial aid offer

Apr 21 12:14pm Personal Finance
Decision Day is May 1, and high school seniors who haven't yet picked a college should reassess financial aid packages.
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Why I Ditched Pottery Barn for DIY Furniture I Can Make in My Backyard

Apr 21 12:09pm The Penny Hoarder
Making DIY furniture is a smart (and fun) way to save money. Here’s how one man saved almost $5,000 by making his own furniture in his backyard. This was originally published on The Penny Hoarder, one of the largest personal finance websites. We help millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. In 2016, Inc. 500 ranked The Penny Hoarder as the No. 1 fastest-growing private media company in the U.S.
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Financial Tips for Dinks

Apr 21 11:32am DINKS Finance
There are advantages of being a Dink like two incomes, splitting expenses and bills, tax breaks, quite an amount of disposable income, and no children responsibilities. This, however, does not mean that financial planning should be tossed out the window. In this article, we focus on finance tips for Dinks: Set goals Before you set […] The post Financial Tips for Dinks appeared first on DINKS Finance.
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De-Clutter Your Finances This Spring

Apr 21 11:19am DINKS Finance
De-Clutter Your Finances This Spring The clocks are one hour ahead, the equinox is in our rear view, and tax season is coming up soon. Any one of these events can act like a starter’s pistol for your annual spring clean. Whether you use the first day of spring or another date entirely to begin […] The post De-Clutter Your Finances This Spring appeared first on DINKS Finance.
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Charity-Inspired Mothers Day Ideas

Apr 21 9:33am BargainBriana™
Mother’s Day is around the corner. If your go-to present is a bouquet of flowers, it might be time to switch it up. Instead of going with the expected — and cliche — gift this year, give your mom something [...] Charity-Inspired Mother’s Day Ideas first appeared on BargainBriana.        ...
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Say hello to your new retirement haven. Surprise: It's not Florida.

Apr 21 9:31am Personal Finance
The Sunbelt isn't the place to spend your golden years. How does your state rank?...
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Appeal Your Houses Assessment to Lower Your Property Tax Bill

Apr 21 9:30am Consumerism Commentary
Though I’ve lived in the D.C. area for the past 5 years, I still haven’t bought a home here. It just hasn’t made sense yet, especially since I’m not sure how many more years I’ll choose to stay in this area. The properties I do own are located back in Texas and stay consistently rented […] The post Appeal Your House’s Assessment to Lower Your Property Tax Bill appeared first on Consumerism Commentary.
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How to Compare Banks and Credit Unions When Looking for a New Financial Home

Apr 21 9:00am The Simple Dollar
Let’s say you’re moving to a new community and thus need a new home for your banking and checking services, or let’s say you’re in a situation where you’ve lost faith in your current bank and wish to move to a new financial institution. You need a new bank for your primary checking account and savings account. If you’re in a city of any size at all, you’re probably flooded with banking options. There are likely several local banks with ... The post How to Compare Banks and Credit Unions When Looking for a New Financial Home appeared first on The Simple Dollar.
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One Possible Factor in the Gender Pay Gap? Your College Major

Apr 21 9:00am The Penny Hoarder
What contributes to the gender pay gap? A recent Glassdoor report found the college major you choose may play a big role. This was originally published on The Penny Hoarder, one of the largest personal finance websites. We help millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. In 2016, Inc. 500 ranked The Penny Hoarder as the No. 1 fastest-growing private media company in the U.S.
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With costs like these, it's no wonder people cry at weddings

Apr 21 9:00am Personal Finance
Attending weddings can cost you more than $1,000 a year. Here's how to save.
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2 Free Nights at the Hyatt

Apr 21 8:53am My Dollar Plan
I’m busy planning where to redeem our annual award nights from Hyatt. Two free nights at any Hyatt and you really can’t go wrong. After the first year you’ll also get an annual anniversary night. We redeemed our award night at the Hyatt Regency Grand Cypress; we just might do the same thing again this [...] Continue reading...
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The Early Retirement Path

Apr 21 8:46am Early Retirement Extreme
In this guest post Tim from Canadian Dream: Free at 45 shares his path to early retirement at 45. If you like to read more about the road to early retirement you can subscribe to his RSS Feed here. I like to think of myself as fairly ordinary. To outsiders I seem to fit into […]...
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GFC 090: Required Minimum Distribution Rules For IRA and 401ks

Apr 21 8:46am Good Financial Cents
Remember the first day you put money into your retirement account? You have seen your retirement account grow over the years and you have been blessed because you have never had to tap into it. Now the grand-kids are your new focus and you have decided to just pass it on them since you will... Listen Now--> The post GFC 090: Required Minimum Distribution Rules For IRA and 401k’s appeared first on Good Financial Cents.
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Five schools whose grads earn the big bucks

Apr 21 8:24am Personal Finance
You don't have to go to an Ivy League school to get the most bang for your buck.
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Cash-strapped seniors should weigh pros, cons of reverse mortgages

Apr 21 8:01am Financial Advisor Hub
Reverse mortgages help seniors stay in homes and cut expenses and are more flexible than mortgages or equity loans.
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Investing Blog Roundup: Do Stocks Outperform Treasury Bills?

Apr 21 8:00am Oblivious Investor
Because of the fact that a handful of stocks earn very high returns, most stocks earn returns that are below the average return of the overall stock market. This is not news. (For instance, I wrote a couple of articles about the concept back in early 2009, and it wasn’t a remotely new observation even then.) A recent study […]...
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7 Cringe-Worthy (But Common) Mistakes to Avoid When You Move Back Home

Apr 21 8:00am The Penny Hoarder
If you’re considering moving back home to save some money, I can’t blame you. I’m livin’ it. Just be sure to avoid these six common mistakes… This was originally published on The Penny Hoarder, one of the largest personal finance websites. We help millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. In 2016, Inc. 500 ranked The Penny Hoarder as the No. 1 fastest-growing private media company in the U.S.
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Free Pretzel? Yes, Please! Heres How to Score One From Auntie Annes

Apr 21 7:00am The Penny Hoarder
Auntie Anne’s is celebrating National Pretzel Day with five days of free soft pretzels for customers who download the “My Pretzel Perks” app. This was originally published on The Penny Hoarder, one of the largest personal finance websites. We help millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. In 2016, Inc. 500 ranked The Penny Hoarder as the No. 1 fastest-growing private media company in the U.S.
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