If there’s one thing I love to do, it’s to negotiate. I know it can be intimidating and sometimes scary, but I tend to see it as a game. I’ve negotiated every single job offer I’ve received—some successfully, and others not so much—as well as various car, house, and other purchases. I am by no…
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It is not uncommon for individuals to experience a sudden windfall from either an inheritance, a legal settlement, a gift, or a bonus from their employer. If you have the good fortune to find yourself in this situation, there are several steps you should consider in order to make those dollars most impactful. One of…
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In the last decade or so, there has been a fundamental shift in the personal finance industry, moving away from product sales and towards holistic planning involving one or multiple financial goals. Decades ago, the financial advice industry was designed to be great for the stockbroker. Today, it is far better for the investor. With…
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When a loved one passes away, the grieving process can be difficult enough without factoring in any of the financial responsibilities that an inheritance can create. And when that inheritance includes a house, there are several decisions to make — many of which will need to be made in a timely manner. Coupled with the…
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A variable annuity is a contract executed with an insurance company wherein an investor agrees to make a lump sum payment to the company in exchange for a guaranteed future income stream. Often used for retirement planning purposes, variable annuities come with many features and functions, some complex, and others more straightforward. The one feature…
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In April 2016, the Department of Labor released its “Fiduciary Rule” to the public. Though the rule was formally vacated by the Fifth Circuit Court of Appeals in 2018, consumers’ awareness of the term fiduciary remained. By definition, a fiduciary is an individual or organization that takes on the responsibility of acting on behalf of…
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