Veterans’ Day 2021 Discounts

This week we celebrate Veterans’ Day! For all our active-duty, reserve, national guard, and veteran military, this is a day to honor the sacrifices they make to defend our country and freedom. Below I’ve listed a number well-known businesses that offer free meals or other discounts for our veterans. I’ve also listed the dates: Nov.…

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November 2021 – Your Emergency Fund

Do you have an emergency fund? An emergency fund is the cash you save to pay for bona fide emergencies. With interest rates at historic lows, and consumer price inflation at 40-year highs, it’s difficult to find a place to store cash and preserve purchasing power. Standard savings accounts pay 0.1% annual interest, and even “high-yield”…

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An Important Myth to Dispel About Foreign Stock Investing

There is a common investing behavior known as home country bias. Those who save and invest their money often have the majority of it in their home country. The reason is because this is what they are comfortable with. Home country bias can hurt your saving plan. Most U.S. citizens have most of their investments in…

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Tax Savings for 2021

We’ve heard stories of the ultra-rich paying little to no taxes, but sometimes there’s mystery surrounding how that’s done. Although the wealthy have greater resources than the middle class, everyone can use the same strategies they use. Here are some of those strategies. 1. Pay yourself a low salary. If you are self-employed or have a…

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September 2021 – First-Time Homebuyer Saving Strategy

Charles Schwab’s 2021 Modern Wealth Survey recently polled Americans and asked “What qualifies a person as wealthy?” The majority said someone is wealthy if their net worth is at least $1.9 million. While to some wealth may just be a number (net worth, annual income, etc.), in reality wealth reflects a mindset. There’s a difference…

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Take Action Now

A strange and unexpected thing happened to me the other day while riding the streetcar in my new neighborhood. The voices of the passengers in front of me started to escalate. After a brief moment, the raised voices turned into shouts, threats, and then physical violence. One passenger immediately stood up and assaulted another with…

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This Inflation is not Transitory

This past Monday, Steve Liesman of CNBC interviewed Boston Federal Reserve Governor Eric Rosengren about the state of the economy. Rosegren stated he believed higher inflation rates in the U.S. economy are “transitory” or temporary. This echoed previous statements by Chairman Jerome Powell. When Rosengren was asked “when do you support raising interest rates?” he…

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Cities with Free Public Transportation

Whether you’re traveling or commuting for work, transportation factors into everyone’s budget. In some cities, you can use public transportation for free. The following are places in the U.S. where some form of free public transportation is available: Boston Clemson Denver Kansas City, MO New York Olympia Salt Lake City San Francisco Washington, D.C. Here…

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The Inflation Paradox

The Inflation Paradox Yesterday afternoon, Federal Reserve Chairman Jerome Powell spoke at a press conference where he discussed challenges facing the U.S. economy. He labeled the rapid rise of prices for raw materials and commodities as “transitory” and he claimed they were caused by unexpected “bottlenecks” in the market. Even in the midst of claiming…

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June 2021 – Summer Budget Savings

Happy Memorial Day weekend! As we begin the summer months, I wanted to help you find some budget savings. This way, we can get to your financial goals faster. Some of the biggest budget items for most people are rent, cars, kids, and food. We aren’t going to tackle all of these immediately. However, I…

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