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5 Money-Saving Exercises to Achieve Financial Fitness 12/02/2015 07:00pm • Like physical fitness, financial fitness is the product of a continual process. You won't achieve it overnight or by happenstance, but by making responsible decisions on a daily basis, working hard and adhering to a well-crafted plan. You also won't achieve it if you let time constraints get in the 6 Things to Consider Before Paying Off a Mortgage Early 12/02/2015 07:00pm • Living debt-free sounds great, and depending on where you are in life it may actually be attainable. But even if you can pay off your mortgage early, should you? Although it may be tempting, first consider the opportunity cost of paying off your mortgage early at the expense of other goals or inve The Perils of Skipping Loan Payments This Holiday Season 12/02/2015 07:00pm • The holidays are fast approaching and that means there are presents to buy, trees to trim and merriment to be made, all of which will cost you money. Fortunately, your credit union, bank or credit card issuer may be willing to let you skip your monthly payment in December or January. "Skip-a-pay a How to go on a spending diet 12/02/2015 02:00pm • If you're finding it hard to stay within budget month after month or have already spent much more than planned this holiday season, now is a great time to clean up your spending habits. Scaling back your spending may be just what you need to reduce some of that financial stress in your life and get 5 Online Hacks to Save Time and Money This Holiday Season 12/01/2015 07:00pm • This time of year is all about abundance: holiday parties, decadent food and (if you're lucky) presents and treats to last year-round. But if there's one thing you're likely short on this holiday season, it's time. Save your time (and your sanity) with these online tips and tricks which will get you How to Stay the Course When Others are Panicking 12/01/2015 07:00pm • Not a day goes by without someone suggesting that I sell my investments because of a potential doomsday scenario. Yet, I always respond that the best move I could make is to just stay the course. Standing by and doing nothing is perhaps one of the most crucial concepts for good long-term returns. What to Do If You're a Delinquent Student Loan Borrower 12/01/2015 07:00pm • Last week, the New York Federal Reserve issued its Quarterly Report on Household Debt and Credit and the news was not what the Student Loan Ranger had hoped. Despite an increase in the use and awareness of options such as the income-driven repayment plans, 11.6 percent of student loan borrowers h Does It Make Sense to Buy a Home If You Have Significant Student Loan Debt? 11/30/2015 07:00pm • Everything is going according to plan. You went to college. You landed a good job. You met someone and are planning a marriage. You're thinking a house is in the near future. But it's probably around now that you're starting to wonder if you're crazy, or if you're taking on too much debt. After al 5 Holiday Store Return Policies You Need to Know 11/26/2015 07:00pm • You likely already know how to spot a good Black Friday deal (electronics are almost certainly on your list) and how to plan your shopping schedule so you hit all the best sales (cutting short your Thanksgiving dinner is practically a must). But do you know how to return a deal that turns out to be 6 smart financial things to do on Black Friday 11/25/2015 07:00pm • If you've already taken a sneak peek at Black Friday sales and are wondering whether this will be the year you get up at the crack of dawn to stand in line for those deals, consider some other ways you could be saving. 'Tis the season to shop away, but that doesn't mean you have to end the year in d Will Santa Claus Deliver a Year-End Rally for Investors? 11/22/2015 07:00pm • It turns out Santa Claus doesn't just deliver gifts under the Christmas tree. Traditionally, November and December are positive months for the U.S. stock market as well. Chalk it up to year-end catch-up buying or positive seasonal holiday cheer, but history shows that investors can expect stock ma How to save big when hosting family for the holidays 11/20/2015 07:00am • As children, we all look forward to large holiday family gatherings with tons of food and drinks. But, as you get older, you realize just how stressful and expensive it is to host family from out-of-town. Since you want everyone to eat well and be merry, it's easy to get carried away and overspen 5 Steps to Retirement Planning for Entrepreneurs 11/19/2015 07:00pm • The entrepreneurship journey is exciting, but entrepreneurs don't have the luxury of pulling in the same amount of money on a bi-weekly or monthly basis. There's also no one to remind you that you should be planning for your financial future. Not knowing exactly what your monthly income will look l Why Johnson & Johnson Stock Is a Better Buy Than Pfizer 11/18/2015 07:00pm • Pfizer Inc. (ticker: PFE) and Johnson & Johnson (JNJ) are two of the largest health care stocks and drugmakers in the world, each with a market capitalization north of $200 billion. Both of their shares are up over the past year, both are trading in line with their peers around 16 times earning 7 Retirement Money Wasters to Avoid 11/18/2015 07:00pm • Investors are rightfully concerned with saving and investing enough money to provide a comfortable retirement. But just as important is keeping a close eye on the spending side. Here are seven retirement money wasters that can quickly drain even a well-stocked retirement portfolio. 1. Not shopping