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$50 Gift Card Contest: Refer Your Friends to The Astute Advisor Blog
Wishing you the very best in 2016! Refer your friends and family to The Astute Advisor FREE newsletter and enter to win a $50 Target gift card! Just follow the link to the CONTEST PAGE. When you land...
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How CalSTRS and Social Security Benefits Work Together
How CalSTRS and Social Security Benefits Work Together Guest post from Devin Carroll at the Social Security Intelligence blog. If you are a teacher in California, the rules for collecting a CalSTRS...
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CalSTRS Won’t Be Enough For Retirement
CalSTRS Won’t Be Enough CalSTRS won’t be enough for your retirement and I know that sounds harsh. While having a pension can bring a sense of comfort, teachers must resist this false sense of security....
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Diversification Isn’t Enough
Diversification Alone Isn’t Enough Diversification is an important principle that prudent investors and advisors adhere to. It is best explained by the expression “don’t keep all of your eggs in one...
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Finances A Little Messy? It’s Time For Spring Cleaning
Finances A Little Messy? It’s Time For Spring Cleaning Now that our taxes are done, it’s a great time to do some personal finance spring cleaning. Before we know it, we’ll be off on summer trips with...
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David’s Personal Finance Roundup – June 2016
David’s Personal Finance Roundup – June 2016 When I launched The Astute Advisor personal finance site, I was excited to reach a much broader audience. But I’ve always believed that the blog shouldn’t...
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Blue Shield 401k Plan – A Brief Review
Blue Shield 401k Plan – A Brief Review 401k plans are becoming the primary source for retirement savings for many Americans. But still, many retirement savers are in the dark. When it comes to the Blue...
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Tax-deferred vs Tax-free Investment Accounts
Tax-deferred vs Tax-free Investment Accounts Tax-deferred vs Tax-free is a concept that is key to making good financial planning decisions. Most retirement accounts fall into these two categories. It’s...
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Tax Planning Tips For 2017: Do It Now Or Miss Out
Tax Planning Tips For 2017: Do It Now Or Miss Out Follow these tax planning tips for 2017 and bring your A game at tax time. Most of us don’t even think about our taxes until after the New Year. After...
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Bond Mutual Funds – What You Need To Know
Bond Mutual Funds – What You Need To Know There is much more to bond mutual funds than meets the eye. Building a diversified mutual fund portfolio will often require the addition of some type of bond...
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Credit Card Debt – Don’t Let It Wreck Your Plan
Credit Card Debt – Don’t Let It Wreck Your Plan Credit card debt is the enemy of financial success. Not all debt is created equal and there are no set standards as to what is considered too much debt....
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401k Loan – 3 Reasons Not To Borrow
401k Loan – 3 Reasons Not To Borrow A 401k loan, while well intended, can be the ruin of a great retirement savings plan. When a 401k plan allows this option, participants are often able to borrow up...
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401k Plans And How To Use Them
401k Plans And How To Use Them How can we get the most out of our 401k plans? Ignoring articles that claim they’re a scam is the first step. Participating in your company 401k plan is a must if you’re...
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Student Loan Debt – 5 Things You Need To Know
Student Loan Debt – 5 Things You Need To Know Student loan debt is on the rise and the numbers are staggering. Total student debt is approximately $1.38 trillion and is second only to U.S. mortgage...
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5 Easy Steps To Improve Your Finances
5 Easy Steps To Improve Your Finances If you’re looking to improve your finances, it can feel like a tall order. Taking on any challenge is daunting and the first step is usually the hardest. Knowing...
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Business Startups – Know These Business Structures
Business Startups – Get Familiar With These Business Structures Business startups are not for the faint of heart. Someone, long ago and far away, shared some advice when I joined the ranks of the self...
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Home Equity – Let’s Not Blow It This Time
Home Equity – Let’s Not Blow It This Time In the early 2000s, property values were rising at a rapid rate and bringing with it newfound home equity. As property values rose and mortgage rates dropped,...
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Compound Interest: Make It Work For You
Compound Interest: Make It Work For You Don’t under estimate the power of compound interest. It can work for you or against you. According to Investopedia the definition of compound interest is:...
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401k Trustees – It’s Time To Review Your Plan
401k Trustees – It’s Time To Review Your Plan It isn’t lost on small business 401k trustees that these plans are not for the faint of heart. Endless changes in regulations and increased scrutiny leave...
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Roth IRA Conversion – The Pro Rata Rule Is Lurking
Roth IRA Conversion – The Pro Rata Rule is Lurking A Roth IRA conversion and Roth IRAs in general can be powerful tools in a retirement saver’s toolkit. The potential to accumulate a bucket of funds to...
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