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Oh Crap, We Forgot to Save for College! How to Save Money for College When Your Kids Are Older

college_books

When you first bring children into the world your concerns are on the immediate: keeping them alive, keeping them fed, and every once and a while trying to clean up the house.

College seems a long, long way off and there are more pressing issues in between now and then like soccer practice and birthday parties.

Before you know it college isn’t too far off and your retirement is right behind.  You bravely check the college education saving coffers and find nothing but cobwebs.

Is it too late to start?  What can you do?  Will your kids fail at life and be trapped in student loans forever?  Will they not be able to get in to the best schools?

Take a deep breath for me.  This is fixable.

How to Start Saving for College Late

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Don’t Let Them Get Your Money! How You Can Hide Money from Lawsuits, Creditors, and the IRS

hide_money

Are you worried that someone might be coming for your money?

Whether it’s a potential lawsuit, or even if it’s the IRS or a creditor, you probably want to protect your assets.

If you want to protect your assets, you need to know where to hide your money, and know how to properly structure certain accounts in order to avoid having someone drain your financial well dry.

Here are some places that you can hide your money:

Retirement Account

One of the best places to hide your money is an ERISA-qualified retirement plan.  Not only can you keep some of your money safe, but you can also earn a tax-advantaged return on the money.  The money in your retirement account is protected from liability lawsuits.  Additionally, your retirement account might have some protection from bankruptcy and creditors (not always, though).
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The Minefield of Checking Account Fees – Here’s How to Minimize the Damage

blank_check

Not too long ago, finding a free checking account was easy. 

They were plentiful, and there weren’t many fees unless you had overdrafts or some other major account issue.

Now, however, free checking accounts aren’t as easy to find.  The ones that are still “free” aren’t exactly free as they are rife with hidden fees.

Now, if you’re not careful, checking accounts can routinely rob you of hundreds of dollars a year.

The Minefield of Checking Account Fees and How to Avoid Them

Trouble Comparing Services

Part of the trouble is that it’s very hard to do an apples to apples comparison of banks’ fees.
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Make Your Travel Easier and Less Expensive – Credit Cards With Travel Rewards 2014

Do you find yourself traveling often, perhaps for work or pleasure?

Using a credit card that offers travel rewards is a great way to earn extra perks or get a little back for your trips (sometimes a lot back).  Traveling can be expensive and a travel rewards card can go a long way to earning something back for your spending.

We all like getting something back, don’t we?

There are a number of different travel reward cards out there.  Among them you can find benefits like:

  • Earning free nights at hotels;
  • Earning hotel upgrades;
  • Earning free flights;
  • Not paying foreign transaction fees;
  • Earning free car rentals;
  • And more…

The cards below offer a variety of these benefits as well as others.

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Can I Get a Credit Card If I’m Unemployed? Should I?

Credit cards are terrible and wonderful things wrapped up in the same shiny piece of plastic.

The right credit card can whisk you off on a dream vacation with reward points.  The wrong card can catch you with a late payment and jack your interest rate up to 20%.

A common question about credit cards revolves around getting one if you are unemployed.

Is it even possible to complete a credit card application when you’re unemployed and be accepted?  And even if it is possible, is this the wisest financial move you can make?

Let’s look at some scenarios to dig deeper on this problem.

Can I Get a New Credit Card When Unemployed?

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What is Long Term Care Insurance, and Should I Buy It?

Handwritten Insurance Claim Form with pen and calculator

One of the biggest fears that many of us have is losing independence.

What happens when you can no longer keep up with your house?  Where will you go if you can’t stay in your home?  And how will you pay for it?

Long term care insurance (also known as LTC or LTCI) is supposed to answer some of these questions.

What is Long Term Care Insurance?

This type of insurance policy is supposed to help you pay for different types of long term care as you age.  Long term care insurance is designed to pay for services that might come in your own home, at an assisted living facility, at an adult daycare, or in a nursing home.

You are supposed to be able to buy a policy, make premium payments, and then, when you need help with care due to illness, old age, disability, or some other difficulty, the long term care insurance provides the means for you to pay for services that might include anything from helping you manage day-to-day to providing you with certain health care services.
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Why Isn’t My House Selling and How to Finally Get Your House Sold

Busted Up House

You’ve had your house on the market for a while now and you’re asking yourself “why isn’t my house selling?”

People sniff around but no one is biting.  What’s going on?!?

Yes, the market may have a lot to do with it but houses do sell so there’s probably more than the market at play here.  Let me give you some clues why your house isn’t selling so you can finally get your house sold.

11 Reasons Why Your House Isn’t Selling and How to Finally Get Your House Sold

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