Every penny definitely counts, especially when it comes to college expenses (our own or our children’s!). You’ve heard from me before about the government’s three month delay in opening the 2024 FAFSA (Free Application for Federal Student Aid). The form is finally live, but on Jan. 30th the U.S. Department of Education announced another delay;…

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My dad has a wonderful saying that your “sphere of concern and your sphere of influence” should be the same size. When outside forces knock you off track or sideline you with fear, uncertainty or worry, it helps to control the controllable factors in your life. Worried about the market? A consistent dollar cost averaging…

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What should you do if you get a phone call from someone who knows your name, and maybe some other identifying information, and informs you that there appears to be some fraudulent transactions or issues with your bank or credit card or tax return? “Your account may have been compromised. Did you authorize a $5000…

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Morningstar publishes an annual “Mind the Gap” study to show the difference between the returns delivered by all funds and ETFs versus the returns actually realized to investors’ accounts. So, for the 10 years ending Dec. 31, 2022, all funds put together (large cap funds, small cap funds, international funds, etc.) had an average return…

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The inbox ignites with recognition of years of hard work – your child has been accepted into college! As college acceptance letters go out across the nation, many parents and students are struggling to decide how to pay for it all. With the cost of an undergraduate degree having risen 169% from 1980 to 2020*,…

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