With Bleak Job Market, Should College Students Go Right to Grad School?

Frustratingly, the job market environment is so bleak that many graduating college students are starting to question what to do with their degrees.  The offers are few and far between, the jobs they were targeting have no openings, and the starting salaries aren’t what they anticipated in an environment where even tenured employees are seeing […]

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5 Reasons Why You Should Consider Using a Health Savings Account (HSA)

Unlike many financial planners and personal finance bloggers who tout the benefits of a health savings account (HSA) – I actually have one. That is not to say of course that just because someone does not have a Health Savings Account that this somehow precludes them from talking about the benefits of HSA’s but as […]

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Is Long-Term Care Insurance Worth It?

My mom asked me about long term care insurance recently and I started to mull over the financials to see if it made sense or not.  We had some experience with other distant relatives that had to tap the insurance and in one case, they were surprised that they didn’t qualify when they thought they […]

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Charitable Contributions – Avoid being Ripped Off

While people mean well by donating money to seemingly noble causes, often times that money ends up being eaten up by administrative costs, waste, or outright fraud.  The other day, I came home from work and my wife was at the door with a teenage kid holding a clipboard talking about clean water and pollution […]

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Is a Security System Worth It? It Depends

Last night was one of those nights I wish I had a security system.  I’m a light sleeper to begin with, but when I hear a huge bang in the house, I spring out of bed, fists clenched ready to take on the invisible intruder.  This happens about once a month and it drives me […]

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Elliott Wave: Dow 1,000 Here We Come?

There are often obscenely optimistic, pessimistic or outright ridiculous titles to get clicks in major financial outlets and the vast majority of the time it’s complete bunk.  From the book Dow 36,000 to predictions of gold prices at astronomical levels, it’s a game of one-upmanship to see who can devise the most outrageous theorem and […]

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OptionsHouse Review – Trades for $2.95

Amazingly, OptionsHouse is able to provide trading commissions at $2.95 per trade.  But that’s just the beginning.  There are some benefits and promotions worth checking out: Free 90 Day Trial of One-on-One Investment Coaching at OptionsHouse.com 90 Day Free Subscription to Morningstar OptionInvestor and StockInvestor at OptionsHouse.com Try Before you Trade with the OptionsHouse Virtual […]

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Stolen Driver’s License? How to Protect Your Identity and Credit

The other day, my wife was at the town pool with the kids (for the first time ironically), and she had her Driver’s License stolen out of her beach bag, presumably because it was in a plastic bag with a few bucks.  She had her guard down because she was sitting with other moms she […]

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With Rates This Low, Should You be Borrowing to Invest?

I read a rather controversial article recently in the Wall Street Journal aptly entitled “Leverage Baby!” outlining the case for taking on debt to invest it at a higher rate.  The main premise of the article was that now may be an optimal time to actually take out loans at extremely low interest rates, use […]

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