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Dave says – Finance column

Dear Dave, My mom is 75, and I’m the executor of her estate. She has $500,000 in retirement accounts, and the only debt she has is around $70,000 on her mortgage. Most of her money is in the stock market, with only $20,000 in a money market account, and this worries me. She lives well within her means, so am …

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Need help managing your finances? Try an app

Commentary by Chara If one of your new year’s resolutions is to get your finances in shape, there are many ways that technology might help you. For example, there are many apps that can allow you to easily monitor, save and invest your money. Some of the best financial management apps include the following: *Mint: The most popular finance app …

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Five Ways to Give yourself a Raise in 2019

By Rachel Cruze Everyone starts out a new year with the best intentions. We’re going to lose weight, or eat better, or work out more. I don’t know about you, but I’m as guilty as anyone when it comes to shelling out a bunch of money for a workout class and then quitting by Valentine’s Day. One of the biggest …

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Dave says – Finance column

Dear Dave, Do you think I should lower the amount I’m contributing to my 401(k) so I can pay off my house and my truck? Jamie Dear Jamie, If you’re following my plan, the first thing you should do is set aside a beginner emergency fund of $1,000. That’s Baby Step 1. Next comes Baby Step 2, which means paying …

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Car shopping tips for teens

Commentary by Chara When a teen is ready to drive, chances are, he or she will probably want to buy a car. If you are a teen who is interested in getting a car or you know someone who is in school and wants to get a car, here are some tips to help you while car hunting: *Get a …

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Holiday season shopping tips

Black Friday is almost here. Traditionally the busiest shopping day of the year, Black Friday takes place the day after Thanksgiving and kicks off the holiday shopping season. This year, it will take place on Nov. 23. Often, shopping on Black Friday is hectic and stressful. To help you relax and enjoy your shopping, try the following tips: *Know what …

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Dave says – Finance column

Dear Dave, We are debt-free except for our home, and we have six months of expenses set aside in our emergency fund. Every time we do our monthly budget, we set aside a small amount of personal spending money for us both. Do you see anything wrong with this? DeAnna Dear DeAnna, There’s absolutely nothing wrong with having a little …

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Dave says 10.12.18

Dear Dave, If someone is following your plan, is it a good idea to get mortgage disability insurance during Baby Step 2? Craig Dear Craig, No, it is not. Mortage disability insurance is a gimmick, and I would never recommend it to anyone. I think I know where you’re going with this. During Baby Step 1, I encourage people to save …

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Nearly a third of U.S. households have trouble paying their energy bills

By Angie Baldelomar If you have struggled to pay your energy bills, you might not be alone. Nearly a third of U.S. households have struggled to pay their energy bills, according to a report by the Energy Information Administration, released on Sept. 19. One in five households had to reduce or forgo food, medicine or other necessities to pay their …

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Dave says 09.28.18

Dear Dave, My husband started his own one-man, small business as a handyman a little less than a year ago. He has netted $17,000 in that time, but the business has about $13,000 worth of debt. We’ve always kept personal finances and business separate, but what would you think about us selling one of our paid-for cars to help with …

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