401k Finance IRA Life Insurance Retirement Tax Deductions 

Wish you maxed out your 401k last year?

Now what? 2016 is over and you ask yourself, “Did I contribute enough to my 401k in 2016?” I matched my employer’s contribution of 5% for all of 2016, and with a plethora of blogs and articles out there telling me to MAX my 401k contributions ($18,000), it has really got me thinking about my long term retirement strategy. I keep asking myself, “Do I contribute enough to my 401k?” Do you relate? I decided to get to the bottom of it and make a concrete decision for my financial future. After much research, deliberation, soul searching, and…

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Credit Cards Debt Lending 

4 Things I Wish I Knew Before Buying My First Home

  1. Get a credit card! Secured if you needed I was always told to get a credit card to to get my credit going, but never to get a secured credit card. I went to department store after department store getting declined, ok 2-3 times. When I hit this imaginary wall I was stopped in my tracks and had no idea of how to move forward to accomplish my dreams. If I was able to get a credit card at this time it would have given me that much more…

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Debt Leverage Student Loans 

To Leverage or Not to Leverage

Leverage leverage leverage! I’m a strong believer of money makes money. Determine what is the right debt-to-equity ratio for you and leverage! It’s important to set a plan and rules as to when to pay of debt and when to hold. If I had a $20,000 student loan with a 2.5% APR and $10,000 in the bank, I would put that cash to better use and invest in something with greater than a 2.5% ROI. It could be real estate, peer-to-peer lending, or municipal bonds.

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