Should You Consider a Credit Freeze?

Some time back a government agency that holds my personal data reported a data breach and offered free credit monitoring, for which I signed up.  A few weeks ago the monitoring company notified me that my personal data had appeared on “the dark web,” a part of the internet that’s associated with illegal activities.  It’s…

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Between Greed and Fear: A Prudent Financial Path

Many of us arrive at adulthood with little to no formal education regarding investment management. How much financial management is taught in school or even college? Yet most of us eventually find ourselves owners of a 401(k) or similar self-directed retirement plan. Where do we start? Parenthetically, that is, in part, where I formed my…

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Let’s Talk About Cash

If you haven’t compared the interest rate you’re currently earning at your bank or credit union against available alternatives, now is a good time to do so. This is especially true if you hold a meaningful balance in a savings account, as we encourage you to do. Cash reserves are the first “bucket” of money…

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