Americans Are Increasing Their Cash Reserves

Financial advisors tell us to save money for various reasons – save for an emergency fund, save up for a down payment on your home, save for retirement, save for your children’s college educations – but is it possible for savings to go too far, and does it matter how you save? Recessions tend to…
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What Are The Requirements To Qualify For HARP?

The Home Affordable Refinance Program (HARP) has arguably been one of the most successful programs to assist homeowners affected by the subprime mortgage crisis. The HARP website claims that over 3.4 million homeowners have been assisted by the program, with around 1 million of those homeowners having been underwater (owing more on their home than…
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8 Ways To Save On Back-to-School Shopping

Whether you are sending your kids off to kindergarten or to college, back-to-school time means a serious dent in your wallet. With some planning, however, you can limit the size of that dent. Here are some helpful hints: Set A Budget – As with any shopping run, if you do not make a list and…
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What Happens When You Outlive Your Life Insurance Policy?

Congratulations! You made it to your 100th birthday. You’ve joined an exclusive, but growing, group of centenarians. The 2010 U.S. Census counted 53,364 centenarians, as compared to 32,194 in 1980. (I doubt anyone was counted in both tallies.) You probably received many presents and lots of adoration from your family, but you may have also…
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Mobile Payment Systems Fail To Become The Dominant Payment Method

Have you been tempted to try one of the many mobile payment systems on the market today? If not, what is keeping you from doing so? Many tech companies and retailers are interested in your answer. For years, headlines have touted that mobile payment apps and mobile wallets will revolutionize the way consumers pay for…
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