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Saving For the Future When You Can’t Afford To Save

In a couple of recent columns, I have suggested that building long-term financial health means developing the habit of living on as little as 30% to a maximum of 70% of your gross earnings. I can hear the comments now: “Rick, you’re a fat cat financial planner who doesn’t have a clue. Why don’t you […]

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Build Your Own Support System for Financial Advice

Someone who owns a business or has accumulated some wealth is likely to have the support of a network of financial professionals, such as bookkeepers, accountants, attorneys, and financial planners. That same level of support would certainly be useful for anyone just beginning a career. The catch, of course, is that when you’re just starting […]

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A Prescription for Financial Health

How bored can you get waiting for your flight at an airport? Bored enough to think it’s a good idea to let someone stick a needle in your arm. No, I didn’t get a tattoo, just a flu shot. The inoculation business was a little slow right then, so I had time for a conversation […]

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21st Century Financial Lessons

Economically, the first decade of the 21st Century has been, to put it mildly, “interesting.” It’s been a bit like riding a bobsled down a Black Hills slope, scooting up the other side, going off a steep cliff, and landing softly in a haystack. (more…)

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Is It Time to Buy a House? Look Beyond First-Time Homebuyer Tax Credit

I’ve been seeing last-minute real estate ads reminding potential home buyers about the federal first-time homebuyer tax credit that expires at the end of 2009. The credit equals 10% of a home’s purchase price, up to a maximum of $8000. For the right buyers in the right place at the right time, taking advantage of […]

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