Dollar-Cost Averaging

Dollar-cost averaging is a big term for a fairly simple concept.  If you buy a set dollar amount of stocks or stock mutual funds at regular intervals (e.g., every month or every quarter), you’re using the dollar-cost averaging technique. For …

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Making Investment Choices – Risk and Return

Risk and return are part of the same equation when you are investing. RISK: When you invest in a stock, bond or mutual fund, you are taking a risk that those investments might decline in value. In other words, you …

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Debt Warning Signs

If any of the following describe you, you may have too much debt or be heading down a dangerous road to high debts: I’m not sure how much I owe. I can only pay the minimum amounts due on my …

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Debit Cards

What are Debit Cards? Debit cards look a lot like credit cards. You can use them to purchase items at most of the same places as credit cards, as well as get cash from ATMs. Unlike credit cards, they withdraw …

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Prepaid Debit Cards: Read the Fine Print!

Prepaid cards are reloadable cards that can be used for making payments, and they may seem like a good alternative to bank debit cards for the “unbanked” population.  In 2015, 7% of the U.S. population was not connected to a …

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Credit Accounts and Divorce

The type of debt you and your spouse have will determine your options for deciding who will pay it off and how. There are two types of credit accounts: individual and joint. When you and your spouse applied for credit, …

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Get Your Credit Report

Why Do I Need to Check my Credit Report? It is important to check your credit reports regularly to make sure the information on the reports is correct, as well as to check for potential fraud or identity theft. All …

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