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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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Help Your Family Have a Healthy Relationship with Money

It’s surprising how little families talk about financial matters. While no one would claim that money is more important than family, financial issues are a top cause of stress and dissent that can strain family bonds. On the positive side, a shared perspective on money matters – along with transparency – allows families to use…

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Five Ways to Find More Funds for Retirement Savings

Retirement planning is something of a catch-22 – the further people are from it, the more they should be doing to prepare. People just starting out or in their mid-career, however, have many competing financial needs today – house, kids, car, education – that they believe limits their ability to save for tomorrow. In reality,…

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Cash Reserves for Businesses: How much?

Most people have heard the personal finance adage that they should have cash equal to 6 months of expenses on hand, in case they lose their job or have an emergency expense. But should businesses? And is it realistic or wise to have that much capital sitting around? The short answers: Yes, and yes. How…

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Understanding and Managing Good Debt vs. Bad Debt

You may have been taught that debt is a bad thing to have in personal or business finance. The truth is a little more nuanced. Sometimes one kind of debt is better than another, and sometimes the same loan with the same interest rate and terms can be either “good” and “bad” depending how you’re…

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