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Using Target-date Funds to Plan for a Long Retirement

If you feel unsure about or even overwhelmed by your retirement plan options, consider
investing in a target-date fund.

If you feel unsure about or even overwhelmed by your retirement plan options, consider
investing in a target-date fund. As you approach retirement, the fund’s asset mix is adjusted to help ensure that you are appropriately diversified at that point in time.

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Is it time to start online banking?

If you haven’t tried online banking yet, you might be missing out.

If you haven’t tried online banking yet, you might be missing out. It’s become the most popular banking method in America, five years running — and its digital counterpart, mobile banking, is now more popular than banking by mail or telephone.

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Investing a Lump Sum of Cash

Putting money to work in the market all at once usually works better than dollar-cost averaging.

Putting money to work in the market all at once usually works better than dollar-cost averaging. You may invest steadily every month through your workplace retirement plan. But what if it’s bonus season and you’ve received a big check? Or you’ve received proceeds from selling a vacation home, or come into an inheritance? In situations like these, if you have no immediate need for the money, you need to decide how to invest it.

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Inherited IRAs lose protection from creditors - what this means for you

Determining how to pass on assets, including retirement funds, is an important part of your overall estate plan.

Determining how to pass on assets, including retirement funds, is an important part of your overall estate plan. If you’ve inherited an IRA or are planning on leaving your IRA to someone after you die, learn more about your options.

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Save for College With a 529 College Savings Plan

Getting a tax break on the money you save for higher education is the big draw of section 529 plans.

Getting a tax break on the money you save for higher education is the big draw of section 529 plans. 529 plans, generally operated by the state you live in, come in the form of either a college savings plan or a prepaid tuition plan.

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Controlling Healthcare Costs

Even with health insurance serving as a lifeline, healthcare costs have the potential to someday do great harm to your finances.

Even with health insurance serving as a lifeline, healthcare costs have the potential to someday do great harm to your finances. Especially with insurers passing more costs onto consumers (for example, by raising premiums, deductibles and co-payments), one serious illness or injury in your household could result in thousands of dollars of medical bills that you're expected to pay out of pocket.

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Navigating the Mortgage Application Process

Mortgage requirements have become stricter and the days of easy approvals are over.

In recent years, mortgage underwriting requirements have become stricter, and the days of closing real estate deals with high leverage, low to no down payment, minimal documentation, and easy approvals are over. Faced by new regulatory requirements and an overall aversion to risk, many financial institutions have pulled in the lending reins by tightening credit standards, often requiring in-depth proof of income and assets, better credit scores, and higher down payment amounts (up front equity invested in the property) than before the financial crisis.

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Insurance 101

Insurance reimburses people for covered losses in unfortunate events such as an illness, accident or death.

Insurance is one of life's necessities and probably the least understood financial product. Insurance reimburses people for covered losses in the event of an unfortunate occurrence such as an illness, accident or death.

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Congress brings back charitable IRA tax provision for remainder of 2014

The IRA provision may be good news if you are charitably inclined.

The IRA provision may be good news if you are charitably inclined.

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