10 Money Revelations in my 30s
Ben Carlson shares 10 important lessons about money that he’s learnt in the years since leaving school.
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Your Life
When Your Financial Plan Gets Thrown Out the Window
The best laid plans of mice and men…….despite your best endeavours there are times when life throws you a curve ball and you have to rethink your financial plan….
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Now & Then
There are those people who save nothing, live paycheck-to-paycheck and never plan ahead for their future financial well-being. And then there are those people who are frugal to a fault and never spend any money or enjoy themselves.
For the rest of us, we are constantly trying to strike a balance between enjoying life now and ensuring we have the resources to enjoy life later.
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The First Rule of Personal Finance
by Ben Carlson Interest rates on almost everything have fallen since the onset of the financial crisis — long-term bonds, short-term bonds, fed funds, mortgages, car loans — pretty much anything with an interest rate attached to it. Well, everything except credit cards. The average credit card APR rose to it’s highest average ever in 2017 at around 16%. In some ways this makes sense. It’s an unsecured line of credit given out to borrowers with very little due diligence performed on their creditworthiness. But it’s also kind of crazy that as interest rates in nearly everything else have fallen, credit...
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Three ways to make up for a retirement savings shortfall
This article was originally published in “A Wealth of Common Sense” and is reproduced here with permission from the Author Ben Carlson The growing disparity between the haves and the have-nots in the United States means that while the top wealth-holders have more than enough money to do what they would like in retirement, a majority of Americans are massively underprepared for their non-working years. It may seem bleak for the large group of people who have little in the way of retirement savings but all is not lost. There are three main ways to ensure a better outcome in your...
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