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So far Lisa Theus has created 6 blog entries.

Why We So Often Fail to Keep Our New Year’s Resolutions, and Why We Should Cut Ourselves Some Slack

By |2023-01-21T13:53:55+00:00January 31, 2023|Uncategorized|

Amanda Mull's father was a smoker for 20 years. When he became convinced that cigarettes were harmful, he simply quit smoking them. Later, when he decided he should take up running, he got up at 4:30 AM to get in five miles before work. And has continued this practice every day for more than 30 years. Mull, writing in The Atlantic, says that her dad's ability to adopt life-changing habits (or quit bad ones) was seen by her as the norm. For years she struggled to exercise [...]

What’s in Store for 2023?

By |2023-01-03T16:06:34+00:00January 10, 2023|Uncategorized|

A long time ago, when Woody Allen was known for writing funny books, he described a character named Weinstein who lay in bed feeling depressed about his age. “Next year I will be fifty-one. Then fifty-two.” Allen adds, “Using this reasoning, he could figure out his age as much as five years in the future.” While some of us have the advanced math skills to figure out our age 10 or even 15 years into the future, it’s one of the few things we can predict [...]

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Overspending and the True Meaning of Christmas

By |2022-12-16T16:41:02+00:00December 27, 2022|Personal Finance|

According to Gallup, this Christmas individual Americans intend to spend an average of $932 on gifts. That’s up nearly $100 over last year. Are people planning to spend more because they have more money in their pockets? Not exactly. Over the past year Americans have been relying more and more on credit to make ends meet. According to an analysis of Federal Reserve data by WalletHub, in the second quarter of this year alone credit card debt increased by roughly 6% compared to the previous quarter. [...]

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Should You Convert Your Traditional IRA Into a Roth?

By |2022-12-10T04:25:50+00:00December 20, 2022|IRAs, Retirement Income Planning|

When the Studebaker car company ceased production in 1966, it wasn't just their business that failed. Auditors found that the company's pension fund also had serious problems, leaving thousands of workers with reduced benefits or none at all. The Studebaker employees' retirement was completely reliant on the success of a single company. Sadly, all their eggs were in the wrong basket. In response to this and other pension disasters, congress passed the Employee Retirement Income Security Act (ERISA). One of its key components was the individual [...]

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Data Threat: Don’t Automatically Scan That QR Code

By |2022-12-03T21:48:59+00:00December 13, 2022|Uncategorized|

You've just been seated at a restaurant and while you're waiting for your server, you see a little sticker on the tabletop that says, "Scan me for today's lunch specials." It would be great to save a few bucks. So you pull out your phone and point the camera at the little square. What could go wrong? According to mobile security experts, plenty.Even if you're not familiar with the term QR code, you've certainly seen lots of them. They're the square, maze-like graphic that businesses put [...]

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Should You Be Considering Tax-Loss Harvesting?

By |2022-11-29T16:30:53+00:00December 6, 2022|Financial Market|

As we’ve mentioned numerous times, temporary declines in stock market prices become permanent only when you sell out of those positions. If a stock or fund loses value, it’s best to fight the urge to cut your losses while it’s only a loss on paper, because you don’t know when it might recover. Thus the strategy of holding a diverse portfolio (where all instruments are less likely to decline at once) with a view to the long-term is designed to keep you from missing out on [...]

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