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Emergency Savings: A neglected part of financial wellness

You’ve heard the rule of thumb: Have an “emergency savings” set aside for unexpected costs. It’s a simple enough idea, but most Americans put it at the back of their financial priority list. In fact, more than 50% of Americans say they couldn’t come up with $500 at a moment’s notice.

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Beyond Medicare – How to Fund Health Care Costs in Retirement

As retirement draws closer, many of us cling to a false sense of security that Medicare will cover all of our health care costs. Once we hit 65, it’s all taken care of and we don’t have anything to worry about, right? Wrong. While it’s true that beginning at age 65 most Americans become Medicare…

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What Rising Interest Rates Mean For You

You’ve probably seen news about the Federal Reserve raising the prime rate, which trickles down to the interest rates charged and paid by banks, credit card companies and others. But what does this really mean for you or for your business? First, some perspective:  Rates are still historically very low. But even when rates rise,…

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Health Savings Accounts for a Healthier Financial Future

Health insurance is so complicated that many people and businesses would rather stick with what is familiar, even if they don’t like it or fully understand it, than try something new. However, it may be worth taking a second look at Health Savings Accounts (HSAs), a flexible tool that could revolutionize the health insurance system…

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The Power of Budgeting at Any Life Stage

Budgets get a bad rap. In reality, they give people power over their finances, and when managed well, can put a person in a position to decide if they want to seize an opportunity or not – while those who have not managed their money purposefully often have no such option. Instead of thinking of…

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