Financially Savvy Kittens on Honoring the Budget
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This kitten knows the difference between a want and a need. Be more like this kitten.

Mailbox: How to Get Silver Coins
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“Most people don’t know this, but right now there’s a loophole in the American banking system that enables you to exchange ordinary paper dollars for real silver coins.”

Financially Savvy Kittens on Smart Shopping
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This kitten delays major purchases. Be more like this kitten.

$ ?s: How Do I Determine Which Debts I Should Pay Off First?
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Two proven methods to pay off your debts – with gusto. Say goodbye to the stress, ANXIETY and late fees.

One Income: The Fiscal Challenges for Stay-At-Home Moms and Dads
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Financial planning means supporting the goals of stay-at-home parents to be with their children.

Mailbag: How Can I Get Started Gifting Appreciated Investments?
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Do I start planting investments and then refrain from giving for ten years?

Doctors Need Financial Planning Help, Too…
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How is the ‘financial health’ of most physicians? Most physicians put in long hours and due to lack of time neglect their own financial and retirement planning.

Squirrel Away Money While You Can
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Franco Modigliani won the Nobel Prize for a simple technique that squirrels know intuitively from birth. You have to squirrel away some nuts during times of plenty so you can survive during times of scarcity.

Before You Say “I Do”: Money & Marriage Exercise 3
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I highly recommend that you plan to live on one salary for the first several years. This is a challenge that too few couples accept.

$ ?s: Don’t Let Your First Paycheck Go to Waste
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Q: I recently landed a job that will allow me to begin saving. My company offers a 401(k) and a 3% match, but I also have college debts of $15,000 and a credit card balance of $650. How do you recommend I proceed?

Rich Dad, Saving Daughter
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Although sock drawers might be able to protect wealth from physical thieves, inflation is the dastardly villain who will raid it. As a child, I did not know of such economic forces let alone that they had an influence on my humble stash.

Rich Dad, Creative Daughter
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One reason that many people buy things that they could have done without is “functional fixedness.” Teach children to prevent unnecessary purchases by making efforts to help them see other possible uses of owned objects.

Rich Dad, Discerning Daughter
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My dad taught me the opportunity cost of a Barbie airplane, or what alternative opportunities I would be giving up when I bought it, like buying twelve Barbies.

Rich Dad, Wise Daughter
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For cheap or limited edition items, desire needs to undergo a trial other than the test of time and the Wait a Week principle should be modified.

Rich Dad’s Money, Rich Daughter’s Money
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If my parents had been in control of the purse strings, I would not have learned the value of money. To a child, “My Money” is valuable where “Your Money” is worthless.

Rich Dad, Patient Daughter
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With money in my pocket and impulse in my veins, I used to cherish our weekly trips to Toys ‘R’ Us. However, it was on the Barbie aisle under my parents’ guidance that I became a money-savvy kid with the millionaire mindset.

Stop Telling Yourself These Three Financial Lies
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Most of us rationalize why we can’t get our finances together right now. Many Americans prolong these excuses during their entire working careers. Here are three lies you must stop telling yourself in order to build a solid financial foundation.

Advisers’ Two Toughest Words: ‘Save More’
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“Even the wealthy aren’t setting aside enough, but changing behavior is a struggle.”

Motivating and Helping the Overspending Client
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Most financial planners have a difficult time helping clients reduce their spending habits and start saving.

The Wealth Blueprint for Financial Success
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I was asked to speak at the Leadership Development Center at the University of Virginia’s EAN Annual Conference on Thursday, August 4th 2001. I’ve collected links to all the resources I mentioned in that talk here in one place.

Financial Troubles Hit Home the Hardest
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Money worries are harming marriages and impairing health, according to a quarter of 1,400 married individuals polled online recently by the National Foundation for Credit Counseling.

Save 97 Percent of Any Windfall
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Surprisingly, studies show that onetime windfalls can actually impoverish you. They make you feel rich, which inevitably leads to overspending. But wealth is what you save, not what you spend.

For Valentine’s Day, Work on a Budget Together
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Couples who have worked together on a budget already agree on the big picture. Once they make the hard decisions about what will help further the family’s values, specific purchases in each category are much less critical.

Radio: Social Security Payroll Tax Cuts
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David Marotta discusses what to do with your “extra” money.

Save Your Social Security Payroll Tax Cut
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Take ownership of your own financial security and increase the rate you are saving and investing by at least the 2% Social Security tax cut.

Compute Your Net Worth Once a Year – 2011
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Computing your net worth annually is like taking a sextant reading to chart your course toward financial security. Net worth gives you a snapshot of how much money would be left if you converted everything you owned into cash and paid off all your debts.

Seven Financial Resolutions for the New Year – 2011
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Financial resolutions usually don’t even last until the end of January. Making a permanent change in our behavior requires both time and a steely resolve. We can only develop financial character one action at a time. Here are seven practices to take you from pauper to prince or princess if you add one each year.

Cyber Monday 2010
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Having found that a longer holiday season translates into bigger profits, retailers like to extend every holiday season. The holiday season is now a four-month blast of marketing genius.

Saving: the Most Fundamental Element of Wealth
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Everything in wealth management begins with savings. All wealth comes from producing more than you consume. Unfortunately, most Americans are better at consuming than producing.

Video: How to Get Out of Debt, Part 2
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Everyone knows a family with financial debt. Stop the bleeding.

Avoid Budget Busters Part 4: Budgeting Pitfalls
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Sometimes we make the mistake of deliberately budgeting the impossible. If you purposefully set the required spending in one category too high, you won’t be able to trim other categories to bring your overall spending into harmony.

Avoid Budget Busters Part 3: Plan on Budgeting Surprises
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Many budgets are doomed to failure because of the challenge of planning for unplanned spending. Here are some of the items you either did not put in your budget or they shouldn’t be in your spending.

Avoid Budget Busters Part 2: Curb Your Worst Impulses
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Get control of the spending that breaks the bank. Certain purchases that are typically both unnecessary and unplanned are budget busters. Avoiding these financial slips requires hedging some of our worst impulses and constraining our desire for instant gratification.

Video: Personal Debt – The Borrower Becomes The Lender’s Slave
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They say that as long as Americans keep spending, the economy will be strong and unemployment will remain low. “Spend now and pay later” is poor personal policy.

Video: University Students and Credit Cards
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Every University student knows they should have a credit card. You have to have a second form of ID on many financial transactions. You have to have one to establish good credit. And, the more you use them, the more you will accrue bonus points toward cash, mileage credits and various “free gifts”. P.T. Barnum said, “There’s a sucker born every minute.” But it doesn’t have to be you.

Video: How to Get Out of Debt, Part 1
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Everyone knows a family with financial debt. Stop the bleeding. Apply emergency medicine.

Video: Family Budgeting
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Every year problems of debt and overspending frustrate millions of families. The problem has little to do with income, a lot to do with spending. Spending less than you earn is the essential foundation that creates the capital for investing and wealth building.

Avoid Budget Busters Part 1: Thrift, an Old-Time Virtue Making a Comeback
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No matter how rich or poor you are, thrift is an integral part of your budget. Being thrifty is a godly and biblical virtue.

Best Christmas Presents
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You are guarding against deadweight loss when the recipient can exchange the gift or return it for cash.

Video: Squirrel Away Money While You Can
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In 1985, an MIT professor won the Nobel Prize for a simple technique that squirrels have known intuitively from birth — you have to “squirrel” away some nuts during times of plenty so you can survive during times of scarcity.

Mindless Spending 2: You’ll Get By with a Little Help from Your Friends
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Both mindless eating and mindless spending rely on our subconscious need to follow scripts to pace our consumption. Community plays a huge role in regulating our financial destiny–either a path of savings that builds real wealth or a path of spending that leads to impoverishment.

Mindless Spending 1: Frequency Matters More Than Height
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We all think we can’t be fooled by something as obvious as the the difference between height and width. But our brains are wired that way, without exception.

Credit Card Karate: The Moves to Block Spending
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Just remove the decimal place. The $8.50 lunch you charge will cost you $850 in your retirement.

Using a Credit Card Properly
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Your time is worth more than sifting through the ashes of advertising looking for valuables.

Make Sure Your Credit Card Has Smart Features
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Themed rewards tend to be toward the low end and cash rewards are apt to be higher. Get the cash.

Video: The Seven Steps of Financial Preparedness
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Here are seven steps you should take to weather any financial storm.

Video: Managing Cash is Key to Meeting Goals
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Managing your family’s cash is key to meeting your financial goals.

Keep Christmas Your Own Way
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This year, give your family the gift of financial peace of mind. Celebrate the season simply.

The Seven Steps of Financial Preparedness
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When a hurricane threatens, making a plan and gearing up for emergencies is imperative. Economic emergencies happen too, but it may be less obvious how to prepare. Here are seven steps you should take to weather any financial storm.

Decide to Be Rich
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It used to be that becoming a millionaire was regarded as a huge achievement. In today’s dollars, however, it is fairly trivial. The new rich is over $5 million.

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