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Dean Kirkland

Get Rich Slowly – Personal Finance That Makes Cents.

http://www.getrichslowly.org/blog/

Located in Oak Grove

Last update: December 1st, 2016 at 10:47 am

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Common sense advice on money saving tips, how to get out of debt, high interest savings accounts, cd rates, money market accounts, mortgage rates, money management and more.

Most people hate to pay taxes. That’s not hard to understand. What is baffling is the length people will go to avoid taxes – sometimes, the cost of avoiding taxes exceeds the taxes themselves. The reason this happens is that for some people, all they have to hear is that a scheme will help them avoid taxes, a

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Thirty-year fixed mortgage rates have dropped from above 6 percent to below 4 percent. This has touched off an unprecedented refinancing opportunity for homeowners. However, unless they learn to take a broader view of refinancing, those homeowners may be missing out on the biggest money-saving opportunities. By now, home

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Small business owners have unique needs when it comes to their checking accounts. Here is a simple guide to understanding what features you need when it comes to small business checking accounts and exactly what you don’t. Getting started The first step is to think about what you will need the account for. Paying

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You’ve got the crib. The baby monitor. The stroller. The highest-rated-for-safety car seat. You’ve thought of everything for that newest member of your family. Or have you? What about your baby’s financial future? Related >> Household Budgets for Beginners: Simple Tips for Success What kind of

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According to a recent consumer survey, most Americans have very little — if anything at all — saved for retirement. Fifty-six percent of Americans have less than $10,000 earmarked for retirement, which is not even enough to cover a year of day-to-day living expenses for most people. This is echoed by a survey

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In the old days you had to wait to get that monthly statement from your financial institution to see how much money you had coming in, and how much money turned around and went out. Today all that information is on-demand and contained within your smartphone — but which apps are best to manage all that data? In t

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A Spousal Individual Retirement Account (IRA) is a special type of IRA that is designed to benefit a non-working spouse and allows a married couple to each have an IRA to help fund their retirement. Internal Revenue Service rules require that you earn taxable compensation from work in order to have an IRA. The IRS define

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We all know we should make and stick to a household budget if we want to be able to sock away savings each month—and end up financially comfortable. But building a household budget as a beginner can be daunting. Only one in three Americans takes the time to create a monthly budget, a recent Gallup poll showed. (I don

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A lot of things change as you start to rise up the income ladder. Most of them are good – the old junker is replaced with a comfortable new car, the apartment becomes a house, you order steak instead of a hamburger. At the same time, managing your money becomes more complicated. Savings strategies for high-net wort

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Living paycheck to paycheck is never easy, but it doesn’t have to mean you can’t save for the future. Everyone needs a savings nest egg or emergency fund. The solution is to get prepared now, no matter what it takes. (And know that you aren’t alone! One study by the Federal Reserve found that most Ameri

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There are investors and there are savers. If you fall into the category of the former, you have a greater tolerance for risk. If you are a saver, your main financial concern is to protect your principal, which leads many to certificates of deposit. But how to find the best CD terms? Let’s start at the beginning. Th

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Many people have heard of CDs — certificates of deposit. But not many will say the same for market linked CDs, also known as equity CDs or market or indexed CDs. Though they’ve been around since the 1980s, renewed interest in market-linked CDs is a product of our current interest rate environment. Interest ra

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Technology has given consumers unprecedented access to shopping opportunities — you can shop, literally, morning, noon and night. From your phone or tablet. Debit, credit, store cards, gift cards…the list is endless. There probably has never been a tougher time to resist the temptation to overspend. A few imp

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Savvy savers open Individual Retirement Accounts for themselves to ensure that their golden years will be enjoyable and not fraught with financial worry. But what if you die before you reach retirement? What happens to your IRA? What to do if you inherit an IRA? First things first: When you open your IRA account, you wil

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A little known tax credit can help you save for retirement, even if you feel you don’t have the money to do so. The formal name is the Retirement Savings Contributions Credit. Most people, however, know it simply as the Saver’s Credit, a two-timing savings strategy that reduces taxes and increases retirement.

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Sometimes you need extra income in order to meet unexpected expenses or to save for a major purchase or goal. With the rise of the sharing economy it is easier than ever to latch onto short-term gigs, especially if you have a strong Internet connection and some idle time. If this sounds like something you’ve done o

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Experience is a great teacher for investors, but it can also be a very expensive way to learn. Rather than learning by trial and error, reading up on basic investment topics is a more cost-effective way to start, because it allows you to benefit from the experience of others. The following are six of the best investing b

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“Got any investment tips?” It’s a common question, but there is no one answer to it. The right investment decision depends on the circumstances, and circumstances change over time. For example, the right way to invest can vary depending on how much money you have available. To look at how the size of th

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As far as money apps go, BillTracker is less about budgeting and more about reminding. So for anyone who’s ever been hit with a late fee for being a day or two late, the app is a valuable tool to help you stay current on all your bills, which ultimately may improve your credit. Here’s our review: What I Like

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There are times in everyone’s life where you live paycheck to paycheck — college student, young professional, recently divorced, on the heels of unemployment. It’s during these times that we are most cost-conscious, yet we can still struggle to track where and how every penny is spent. In our ongoing se

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With more than 20 million students enrolled in colleges and universities and with the average cost of a four-year degree at nearly $10,000 per year (triple that number for a private institution), scores of Americans will realize now or later that higher education comes with serious financial implications — for th

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Investing can be intimidating, but it doesn’t have to be. The key is to get a few basic concepts down first and then set clear goals for your money. Then it’s a matter of determining which tools will be best for the job at hand — do you want to be risk-averse, passive investor? Are you focusing on retir

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Saving for college is daunting enough, but as any parent of college-age kids can tell you, you also need to learn a whole new vocabulary — FAFSA, 529 plans, Coverdell accounts. It can be a lot to process. One common question is the difference between a 529 plan and a 529 “prepaid” plan. While pre-paid p

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Sometimes it’s hard to think about making those IRA contributions and taking the time out to understand IRA contribution limits because, well, retirement seems so far off. But the U.S. tax structure has several incentives that make both Roth and traditional IRAs worth the look. It also pays to make sure you know ab

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While our bellies may be stuffed on Thanksgiving, our wallets will be thinner — Americans will spend nearly $3 billion on the holiday, according to data compiled by Statistic Brain. Three billion! That includes food, travel, parties and nights out, and various other items. But instead, we could focus on how to save

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In personal finance there are often more questions than answers, especially if you are new to the money game, from how to start investing in stocks to growing your childrens’ 529 plans. After all, every situation is unique. To help guide you on your financial journey, we’re featuring two questions we received

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Talking about money is just as uncomfortable as any discussion about religion or politics. We’re raised to think it’s not a topic for polite conversation. Unfortunately, some of us hold onto that belief even when the person on the other end of the conversation is someone we should trust — our future spo

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App Overview NerdWallet is a personal finance site that provides tools and resources to help consumers make financial decisions. Their new mobile app, simply called NerdWallet, allows anyone with an iPhone to ask financial questions about any subject and get in-depth, one-on-one help for free from their in-house financi

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I’ve just come from the gym. My arms are so spent I can barely type. My glutes are killing me as I sit on my wooden chair. I am guzzling ice water and still sweating a little. An hour of concentrated exercise with a trainer — part of my gym memberships — has left me feeling both exhausted and accomplish

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It was big news recently when Hillary Clinton tried to go to work sick with pneumonia and was forced to leave a 9/11 memorial event. It became even bigger news when every woman in America pointed out she always “works sick” because there’s always something or someone who needs you. Heck, I remember that time when I

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