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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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Dave says 09.07.18

Dear Dave, I have about $36,000 in debt, not including my house. Of that amount, $30,000 is a truck that’s worth about what I owe on it, and the other $6,000 is student loan debt. I make $50,000 a year. I also have 24 EE bonds that were gifted to me that haven’t fully matured. Right now, they’re worth a …

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Research study shows Hispanic-white wage gap relatively unchanged

By Tere Siqueira The Economic Policy Institute (EPI) recently released a paper showing the Hispanic-white wage gap has remained relatively unchanged. Marie Mora, an economics professor at the University of Texas Rio Grande Valley; and Alberto Davila, professor and dean of the Harrison College of Business at Southeast Missouri State University, studied the unemployment and labor force participation rates for …

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