Law 2 – SMART Strategies

Good, Bad And Ugly Types Of Debt

Over the past few decades the debt of U.S. consumers has increased to more than $2.5 trillion, according to the March 2012 Federal Reserve Statistical Release. This is just consumer debt. If you include mortgages, home equity lines of credit and other real estate debt, that number increases to $13.5 trillion! Debt in general should […]
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How To Foil Online Scammers and Protect Your Passwords

  *Updated 6 August 2014: A Russian cybergang has stolen as many as 1.2 billion user names and password combinations. They injected malicious code into 420,000 websites to gather this data. This is one of the largest yet. You can register at http://holdsecurity.com to see if your password/email has been compromised. I’ve been getting emails […]
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An Investor’s Guide To Annuities

Chances are if you are looking at planning for retirement, you have come across annuities as a potential investment product for retirement income. The proper annuity may enhance your investment portfolio, but it is important to make sure it is suitable for you. What is an annuity? An annuity is a contract between you and […]
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Important Estate-planning Tools

No matter how much you are worth, it is important to have an estate plan in place to protect yourself, your loved ones and your assets. An effective estate plan is one of the best things you can do for your family to ensure you pass on as much as possible, on your own terms, […]
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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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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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