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14 Ways to Save Money on Your Cell Phone Bill

I’ve spent my entire career working in the telecommunications industry for cell phone service providers. Over the years I’ve learned many ways to ke[...] read more »
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How Much Money Do You Need to Feel Rich?

How much money do you need to have to consider yourself rich? It’s very debatable. Most people would agree, however, that rich people have the free[...] read more »
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The Best Way to Pay Off Your Mortgage Early

Recently I heard a suggestion about a unique way to payoff your mortgage early: Instead of making larger mortgage payments each month, invest the mo[...] read more »
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Is it Worth Borrowing to Fund a Roth IRA?

Recently, I received the following question from a Financial Fellow reader: “At 32 years old, is it worth borrowing money ($3,000 - $5,000) from my [...] read more »
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Pension Plans Ripoff Taxpayers

Recently, I read an article on Gen X Finance in which the author discussed pension plans. The article rekindled my distaste for defined benefit pe[...] read more »
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8 Financial Things to be Thankful For

In the spirit of Thanksgiving I thought it appropriate to make a list of financial things to be thankful for. Although some of the items listed belo[...] read more »
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7 Extreme Ways to Improve Your Financial Situation

If money is tight and you are struggling to make ends meet you may be in a situation that requires drastic change. Perhaps you’ve made small improv[...] read more »
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The Benefits of Homeownership

I consider there to be four, primary financial benefits to owning your own home: The mortgage interest and property tax deductions, appreciation, fix[...] read more »
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Don't Payoff Student Loans (Early)

I graduated from college with $25,000 in student loans. Shortly thereafter I consolidated the loans at a fixed annual interest rate of 4.125% over a[...] read more »
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Free Money for Your Retirement

Assuming you meet certain requirements, the federal government will provide you with a tax credit as a result of your retirement savings contribution[...] read more »
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The Borders Public Library

I don’t use my local library to check out books. Instead, I go to Borders. I find a book I want, buy it, read it, and return it within 30 days. Pr[...] read more »
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Should You Contribute to a Traditional IRA or a Roth IRA?

In 1998, the U.S. Congress created the Roth IRA. The Roth IRA differs from the Traditional IRA in several ways - the key difference being its tax s[...] read more »
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10% Annual Return is Unrealistic

The assumption of a long term average return of 10% annually is grossly inaccurate. [...] read more »
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Can You Give Me 10% Off?

After I get a quote for any maintenance work from the dealer I ask if they can take 10% off. They say, “Yes.” – every time. read more »
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