Three Important Factors To Consider before Accepting a New Job Offer

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So you’ve just received a great new job offer with the company of your dreams? There is no denying it, this is a pretty great feeling, especially since it is probably the culmination of years of planning and hard work. So before you take the job or start to negotiate your salary and benefits, stop [...]

A 30-Day Financial Detox — How I Got Back on Track Financially by Re-Evaluating Everything

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“If I can live for a dollar a day — at least from a food cost standpoint — it’s pretty easy to earn $30 dollars in a month, so I’ll probably be ok.” –Elon Musk Long before Elon Musk became a billionaire, he was a college grad with big dreams, just trying to find a [...]

Don’t Miss Out on Low Mortgage Rates

source: Bankrate.com via the Wall Street Journal

“It was the best of times; it was the worst of times.” Perhaps Charles Dickens’ iconic line has never been more appropriate. Twenty years from now, we may look back at 2016 and marvel at the unique set of economic forces at play: a near-zero interest rate environment on the part of nearly every developed [...]

Protect Your Identity Online (Part Three)

Protecting Your Identity Online: Fighting Back

Step Three: Start Fighting Back This is my third and final post about “Protecting Your Identity Online.” As you’ll recall from the previous posts, the number one way to protect yourself is a “credit freeze,” and knowing your rights and options if you are victimized is vital (since there is a very high probability that most people will be hit at some [...]

How to Protect Yourself from Identity Theft (Part Two)

how to protect yourself against bank fraud and identity theft

Step Two: Know Your Rights and Be ProActive Back in April–has it been that long?–I posted about how to protect yourself from identity theft in the wake of rampant data breaches. As I discussed in the post, a credit freeze is the absolute best way to lock down your credit file, so that only you [...]

5 Common Myths About Social Security

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There are a lot of misconceptions about the Social Security system out there. We know, because when it comes to retirement planning, we have had countless conversations with clients and Social Security personnel in an attempt to make the best decisions possible in conjunction with an overall retirement plan. Over the years, we’ve picked up quite [...]

Auto Loans Hit a New Record

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According to new data from Experian, consumers now borrow, on average, about $28,000 for a new car purchase, an increase of about 4%. Even with record low interest rates, the average car payment on a new vehicle is up as well, now almost $500 per month. There are a myriad of reasons why people may feel [...]

Small-Business Lending Still Slowing Down Economy

Downtown Carrollton

I was initially drawn to this recent Wall Street Journal story because it’s situated in a small town just minutes outside of Atlanta, and probably only about 40-50 miles (as a crow flies) from our office. But the situation in Carrollton is just a microcosm of the issues facing the US economy as a whole; [...]

What It Takes to Be Wealthy

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Habits That Help You Get Wealthy Most people believe that having a six figure income and/or being in the top 1% of income earners is what it will take to be wealthy. However, in my experience over the last 29 years of helping people become wealthy and stay wealthy, having a high income is only one [...]

Dave Ramsey and the Debt Snowball Strategy

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Dave Ramsey is a popular and sometimes controversial personal finance talk show host. He is looked up to by thousands all across the country for his practical advice, and especially for his unique ability to encourage and motivate people to get out of debt. While, of course, we wouldn’t endorse everything Dave–or any other person–says [...]