Author - Kimberly J. Howard, CFP®, CRPC®, ADPA®

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5 Tips To Help You Save Money And Start Investing
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Surviving The Seasonal Stress Of Filing Taxes
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How To Be Debt Free Faster
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Preparing Finances For A Potential Layoff
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Nonworking Spouses Hurt By Credit Card Rule

5 Tips To Help You Save Money And Start Investing

Many Americans faced with the opportunity to invest, have not yet started because of uncertainty with how to get started or because they don’t think they have enough money saved. For those looking to start saving money to invest, the following are five helpful tips:

Tip #1 Eliminate Credit Card Debt

Killing your credit card debt is one of the first steps you should take in order to start saving money. The best approach when doing this is to pay off credit cards with the highest interest rates first. You should also make an attempt to pay more than the …

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Surviving The Seasonal Stress Of Filing Taxes

It’s often said that the winter holidays are the most stressful time of year, but I bet anyone who has to file an income tax return could easily argue against that contention. With mounting anxiety, Americans often procrastinate for weeks or months before rushing around to collect all the necessary paperwork they need to file. Finally they sit down to face the task – often unaware of which way their return will fall. Will they owe this year or get a tax refund?

The economic demands of our day make this season of stress even more challenging for many. With …

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How To Be Debt Free Faster

The most vulnerable area of your finance is your debt that you owe to your creditors. Until and unless you can get out of it, your chances of having a healthy financial future are slim to none. Clearing off all your debt can not be done over the night even if you enroll debt management plan. You may have already accumulated huge interest and late fine penalties over the time. Therefore, proper planning is required with a bit of patience to achieve financial freedom.

Checking the debt to income ratio is the first step of understanding your financial status. Knowing …

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Preparing Finances For A Potential Layoff

News on the state of the U.S. economy continues to be less than positive. With erratic fluctuations in the construction and mortgage industries, increased cost of food and living expenses along with employment and job opportunities being stagnant, many companies that were once booming are facing drastic measures to stay solvent that include letting thousands of loyal employees go or cut their hours. Almost no job is recession proof.

If you’re lucky, you will be given advanced warning of an impending layoff. But for many hardworking people, the layoff notice is not only unexpected but also frightening. For many of …

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Nonworking Spouses Hurt By Credit Card Rule

A long-standing advantage for couples that choose marriage is the combining of their assets, along with the financial history. For nonworking spouses, the ability to claim their combined financial account history was a benefit to their own personal credit history. The biggest perk associated with sharing the history of their credit accounts was, that lenders did not need to consider who earned the money when reviewing a credit application, the household income was enough. A stay-at-home spouse could open a credit card account in their own name without involving their mate, allowing for a degree of financial independence.

However, the …

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