5 Best Personal Finance Apps for Budgeting, Investing & More

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According to the FINRA Investor Education Foundation’s 2013 report, “Financial Capability in the United States,” 19 percent of Americans spend more money than they earn. The FINRA Foundation’s State-by-State Financial Capability Survey found that 56 percent of Americans don’t have enough money saved for three months of expenses in a financial emergency, and the same […]

Blood Moons on Wall Street Book

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Are You Ready For the Coming Global Financial Collapse? Blood Moons on Wall Street: How to Profit from the Upcoming Financial Crisis ISBN # 9780981802619 The all-new book by Jay Peroni,  Coming April 28, 2015   Reserve your copy now! Recent financial cycles have worked on a seven-year cycle: It started in 1966 with a […]

Why are some people able to save more than others?

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The Psychology of Saving How many households have the right outlook to build wealth?   Why do some households save more than others? Building household savings may depend not only on cash flow, but also on psychology. With the right outlook, saving becomes a commitment. With a less positive outlook, it becomes a task – […]

Even Happy Couples Need to Talk About Debt – Here’s How

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Few couples enter a marriage free of debt. Whether it’s student loans for those in their 20s or an upside-down mortgage for those beyond 40, you simply must disclose these things before tying the knot. Being open and honest about debt won’t derail an engagement or spoil the romance; rather, it will likely prevent a […]

Why Don’t Women Like to Talk About Money?

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Are Women Reluctant to Talk About Money? A new survey says yes. Is it telling the whole story? A new study asserts that women feel uncomfortable discussing financial matters. The latest Money FIT Study from Fidelity Investments is generating some conversation within the financial industry. The investment giant commissioned an online poll of 1,542 female […]

The Power of Tactical Asset Management

Tactical Asset Management When it comes to investing, I prefer a “tactical asset management” approach. Tactical asset management is an active type of asset management that adjusts allocations across different asset classes and market sectors. Before 2008, many investors took a passive “buy and hold” approach to investing. You simply bought stocks for the long […]

How to Never Outlive Your Retirement Savings

Retired or close to retirement?  No matter how much money you save for retirement, it’s an inescapable fact that there’s a real chance that you can outlive your retirement savings. After a lifetime of diligent retirement planning, this would be a truly unfortunate outcome. What are the reasons why you might outlive your retirement savings […]

How Can Young Growing Families Save & Invest?

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Yes, Young Growing Families Can Save & Invest It may seem like a tall order, but it can be accomplished. Plan to put yourself steps ahead of your peers. If you have a young, growing family, no doubt your to-do list is pretty long on any given day. Beyond today, you are probably working on […]

Should You Take a 401k Withdrawal?

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Did you know that you may be able to withdraw up to 98% of the money in your 401(k) plan BEFORE you retire from your job? Some people need or want to do just that. If you are one of them, you should ask about your ability to make an in-service non-hardship withdrawal. An in-service […]