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Social Security

You may start collecting Social Security retirement benefits as early as age 62.  However the longer you wait, the higher the monthly payments you and possibly your spouse will recieve.  Wait until you're 70 and your payment will increase by 76%.
Take some time to consider your options around delaying your benefits.
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Buying a Home in a Tight Market

Advice for home-buying in this seller's market:
Don’t be the buyer who waits until the weekend to view a home.  By then it could be sold.  Ask your agent to find out what’s important to the seller.  Craft your offer around the sellers interests. 
To make your offer really stand out, include a letter explaining why you fell in love with the home and why you want to live there.  
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Topics : Business_Finance
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Phishing

If we get a phone call or a text that it must be coming from a legitimate source right?  No!
Criminals are using a technique known as “robo-calling” using a computer to randomly call or send text messages claiming that your card has been blocked with instructions you can follow to unblock the card.
Do not fall for this scam.  
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insurance

Auto insurance is one of your larger expenses, so periodically take so time to see if it can be reduced.
 
Check for discounts for paying the premium in full, consider raising your deductible and for older cars, and make sure it still makes sense to carry comprehensive and collision coverage.
 
Remember, you credit score can also play a factor.
 
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Topics : Social Issues
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Internet Shopping

When making a purchase you should have a list and stick to it.  
 
With on-line shopping it is even more critical. On-line retailers track what you have purchased in the past and offer up what are perceived to be limited timedeals.
 
Ignore the offers and only look for coupons or deals when it is time to make a purchase.
 
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Topics : Technology_Internet
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Finding a Credit Counselor

Who can you turn to for help in a financial crisis?
 
Fortunately credit counseling agencies are available - but not all credit counseling agencies are created equal.
 
Promises to eliminate debt should raise a red flag.     
 
A good place to start is the National Foundation for Credit Counselors or NFCC.   NFCC Members represent non-profit accredited agencies.  
 
Visit NFCC.org to find an agency near you.
 
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Investing in yourself

When was the last time that you invested in yourself?
 
This might be the single biggest obstacle on your path to reaching your financial goals.
 
If you’re not investing in continuing education, training and personal development, you’re limiting your ability to make more money in the future.
 
Consider taking non-degree courses online to boost your knowledge of your field or enrolling in a graduate program. 
 
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Topics : Business_FinanceEducation
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Dollar Cost Averaging

You Buy High and Sell Low.
 
Does this sound like your investing strategy?
 
Resist the urge to go with the crowd by adhering to smart investing techniques. One such technique is dollar-cost averaging, a simple system of investing at regular intervals no matter what the market is doing.
 
While it doesn’t guarantee success, it does eliminate the likelihood that you're always buying at the top.
 
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Neglecting Retirement

It’s easy to focus on the present and assume you’ll have time in the future to start saving for retirement.
 
But the longer you wait, the tougher it will be to ensure you have enough.
 
Imagine yourself in retirement.  What does it look like?  At dinner are you the one enjoying the meal or are you serving it?
 
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Tax Returns

How long should you keep your Tax returns?
 
The IRS statute of limitations is three years for auditing your return and six years for unreported income, both from the date of actual filing.
 
A good rule of thumb is to hold on to your tax returns for at least seven years.    
 
If you are in doubt check with your tax preparer.
 
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