Year: 2012

Switch to Cold Water

Almost 90% of the energy used to wash clothes is spent on heating the water, according to the U.S. Department of Energy. Save money and energy. Wash your clothes in warm or cold water instead of hot, using a detergent formulated for cold-water use. Turning the dial from hot to warm will cut your energy […]
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Tips To Stop Impulse Spending

Impulse spending is often considered to be the gateway to mounting credit card debt. An impulse buy may seem innocent enough at first, but they can add up quickly, putting you in a financial bind. In a recent poll of adult women, 60 percent revealed they had purchased something “on a whim” in the last […]
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Tips For Dealing With Stress

According to a new survey, stress in America has increased 30 percent over the past 30 years, and almost three out of four Americans are stressed at work, with more than a third reporting extreme stress levels. Stress can affect everyone regardless of age, and it can have a negative impact on health and overall […]
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Your Guide To Mutual Funds Part 2

This is a two part series. Please click here for part 1! There are many types of mutual funds with a wide variety of investment objectives and risk and return characteristics. Below is an overview of fund categories listed from higher risk/return potential to lower. Aggressive Growth Equity Funds attempt to invest in securities whose […]
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Tips On How To Avoid Credit Fraud

There are a total of about 610 million credit cards held today by U.S. consumers. That amounts to 3.5 per cardholder. The number continues to grow, and unfortunately so has the number of credit card fraud cases. In the past five years, one out of four Americans was a victim of identity theft, making it […]
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A Quick Guide To Mutual Funds

This is a two part series. Please click here for part 2! Investors enjoy selecting individual investments and monitoring their progress on a regular basis. This can be rewarding and fun if you have the time, experience and patience to research your investments and monitor their progress. Like many people, you may already have a […]
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Tips To Save Money At The Pump

Hawaii consistently has the highest gas prices in the country, with a current average cost at $4.57 per gallon. Although we directly can’t control the price of gasoline at the pump, we can take steps to lower our usage. Here are some steps to take to save money on gas by driving more efficiently and […]
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Tips For Couples Talking Finances

 Finances are an important but often neglected topic in relationships. Studies have shown that money is the No. 1 reason why couples argue, yet talking about it is surprisingly a low priority. According to Fidelity Investments, less than half of couples manage household finances together and only 38 percent talk openly about retirement planning. It […]
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Putting The 80/20 Rule To Work For You

In 1909, an Italian economist named Vilfredo Pareto observed in his garden that 20 percent of his pea pods contained 80 percent of the peas. As an economist, he also noticed that 80 percent of the land in Italy was owned by 20 percent of the population. “Today, the 80/20 rule is a common rule […]
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