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Archive of Personal Finance Articles – Arla Wallace
• Should I Retire Early?
Considerations about when to retire involve not only your current health and financial well- being, but also social security qualification and lifestyle goals.... more
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• Red Flags When Buying a Home
Before buying a home, inspect for foundation, electrical, and roof issues. Addressing these red flags is crucial for informed decisions.... more
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• Good Debt vs. Bad Debt
Limit debt to necessary transactions, such as a student loan for higher education or a home mortgage, so you can build good credit and a strong financial future.... more
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• Debit or Credit Card: What’s Best for Kids?
Teaching your children about money management at home, including the ins and outs of bank accounts, and debit and credit cards, will help them learn financial responsibility.... more
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• Living on a Limited Income
Living within your budget will not only bring you financial peace but also enable you to prepare for unexpected emergencies.... more
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• How to Protect Against Title Theft
Beware of con artists who use stolen identity documents to gain title to your home, or your vacation or investment property.... more
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• Do Not Make These Financial Mistakes After You Reach Age 50
It is never too late to correct past mistakes to ensure financial security as you age, so reduce debt, put away funds for an emergency, and strive to increase retirement savings.... more
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• Recession Proof Your Savings
Preparing for a recession involves careful review of current spending and savings habits as well as financial planning to help you survive future uncertainties.... more
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• Improving Work-Life Balance
In order to achieve a better work-life balance, you need to focus on finding a routine, managing your finances, and finding time for family.... more
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• Planning for Retirement
Planning for retirement involves establishing a plan that is right for you, and taking into consideration the time you will have to invest and to spend.... more
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• Five Ways to Get Money in an Emergency
When you need to get money in a hurry, you should consider credit cards, personal lines of credit, and loans from your bank, your retirement plan, or from family or friends.... more
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• Buying a House You Can Afford
Purchasing a home is a major decision, and requires research into how much down payment you can afford, whether you must pay PMI, and finding the right mortgage loan.... more
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• Running a Household and Owning a Business
To successfully run your own business while simultaneously taking care of family, you need to set boundaries, such as limiting your workday and creating a dedicated work space.... more
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• Becoming an Entrepreneur
In addition to attending to personal finances and protecting assets, entrepreneurs need to take care of their families, become life-long learners, and practice true philanthropy.... more
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• Managing Personal Finances
Take control of your personal finances by keeping track of bills and payments, analyzing your spending habits, and setting financial goals.... more
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• Self-Care Versus Health Care
Taking care of yourself can result in lower health-care costs, reduced financial stress, and overall physical and emotional well-being.... more
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• Planning Ahead for Changes in Retirement
When planning for retirement, it is important to not only establish a financial plan but also to plan how you can be fulfilled and enjoy your retirement years.... more
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• Separating Business and Personal Finances
Separate bank accounts, tax identification numbers, and credit cards are some of the ways you can distinguish your personal and business expenses, making it easier at tax time.... more
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• Building an Emergency Fund
In addition to saving for retirement or life goals like a home purchase, it is important to save for emergencies and avoid getting into additional debt.... more
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• Funding Your Small Business
Whether you are considering bootstrapping, crowdfunding, or a traditional bank or SBA loan, make sure you explore all of the options for funding your small business.... more
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• Financial Planning
Understanding your net worth, setting goals, and protecting your assets are all important components of financial planning and taking charge of your personal financial situation.... more
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• How to Keep Good Credit
Building and keeping good credit requires patience, in addition to developing good financial habits, timely payment of bills, and awareness of your credit utilization ratio.... more
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• Financial Stress
Avoid financial stress by educating yourself, budgeting, paying bills on time, reviewing your credit report, and taking advantage of tools to increase your financial literacy.... more
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• Job Security and Stress
Strengthening your financial stability can help you increase your job stability, cope with anxiety, and reduce your stress levels.... more
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