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It is common knowledge that the rich tend to keep more of the money they make than the average wage earner.  Therefore, is behooves those who desire to keep more of the money they make to follow the steps which the rich have used for centuries to ensure that what they make is kept and …

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Many Americans have worked hard to further their children’s education. Sadly, many realize too late, that much of the so-called “education” was really indoctrination which may have ruined their children’s values. Many children graduate from College and University with far different values, morals, and viewpoints than those held by their parents. Parents who are building …

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Have you ever heard someone lamenting they did not buy and hold stock in Microsoft, Apple, Amazon, or Tesla when those stocks were cheap? A lot of people invest in the stock market in hopes of making their money work for them, but over the long haul, it is rare to find people who do …

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Which Investment Type Typically Carries the Least Risk? When it comes to investing, some people look to investment opportunities with large potential returns. They may hope to make a large amount of money in very little time, and you might find this option intriguing. Unfortunately, the higher the potential return, the higher the risk of …

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It is amazing what people believe in!  It begins when we’re young, back when we were told to believe in the Tooth Fairy, the Easter Bunny, Santa Claus or even Cupid, as if real. Real enough to make things happen which ordinarily couldn’t happen without truly believing. As young adults we were told to believe …

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529 plans are touted as a way to save for your children’s education. But saving money in a 529 plan is a lot like sending your money to jail. Once your money is in a 529 plan you can’t use it for anything other than education. If you need to use that money for other …

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We frequently hear the question, “What can I do with the money left in my 529 plan?”  And the short answer is that you will be taxed if you take the money out without using it to pay for qualified expenses PLUS you will pay a 10% penalty for doing so. However, at Life Benefits, …

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…until you hear this. There is no question – paying off a mortgage early saves interest. But what will you be losing by paying off your mortgage early? It’s called Lost Opportunity. If you can simply earn 1.4% on the extra mortgage payments required to payoff a mortgage at 3.75% APR over 15 years rather …

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“Diversification,” according to Warren Buffet, “is protection against ignorance. It makes little sense for those who know what they’re doing.”  This is because diversification for most financial planners and investors merely means spreading your equity across multiple asset classes in hopes of avoiding correlated losses from occurring all at the same time.  But does it …

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Queen was almost prophetic with their song… many Americans are biting the dust financially because they depended on financial planners who didn’t know the future. Of course the responsibility to take care of these people doesn’t fall on the financial planner, but rather on the client’s own children. This leads to the sandwich generation, people …

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