Category: Thinking Smart

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Second Marriage And Finances

According to a recent study, nearly 40 percent of new marriages include at least one previously married spouse. There are many complex financial, legal and emotional matters that may arise when remarrying later in life that should be addressed as soon as possible. Here are some important issues to consider to help protect your finances. […]

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Principles Of Long-term Investing

Increasing your wealth over time is more than picking the right stock or always buying low and selling high. Too often we see intelligent investors shoot themselves in the foot by making basic errors in their investing strategy. Through years of experience, I have observed the effects of fear, greed, lack of discipline, groupthink, and […]

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Avoid These Investment Tips!

In the financial industry, my goal is to see people reach their financial goals. This involves the discipline to stick to a long-term financial plan, a diversified portfolio and to pick solid investment products. But as simple as it sounds, there are quite a few things that can derail any plan. It is common for […]

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More Tips On Managing Your Time

Last week we covered part one of learning to manage your time better. Visit artofthinkingsmart.com for the article. With more demands in our lives, managing our time better makes a significant difference in productivity. Here is part two of tips and resources to manage your time better! 1) Follow the “Ivy Lee Formula.” You can […]

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Best Tips On Managing Your Time

In today’s world, we are required to accomplish more with fewer resources and in less time. This is one of the top reasons stress has skyrocketed the past few years. We are increasingly pulled in multiple directions with our work, family and personal lives while expected to perform just as well, if not better! In […]

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Which Debt To Pay Down First

The average American household has $15,325 in credit card debt, $147,924 in mortgage debt and $32,041 in student loan debt. How to pay your debt is important (visit artofthinkingsmart.com for more information), but which debt to pay off first is just as important if you are unable to pay off all of them at once. […]

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Cash: Not The Best Investment

In a recent survey by Bankrate.com, more than a quarter of Americans stated that the best way to invest money they didn’t need for more than 10 years was cold, hard cash. Real estate came next at 23 percent, gold or other precious metals at 16 percent, and the stock market only at 14 percent. […]

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Dealing With Debt Collectors

The Federal Trade Commission (FTC) recently slapped the largest civil penalty of $3.2 million on Expert Global Solutions, a third-party debt collector, for violating the Fair Debt Collection Practices Act (FDCPA). If you have been behind on paying bills or, in some cases, records mistakenly show you are, you may have had to deal with […]

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New Credit Scoring Makes Sense

Your credit score is one of the most important numbers to manage since it determines your creditworthiness and the likelihood you will pay back a loan. The Fair Isaac Corporation Score (FICO) is the best and most widely used credit score in the U.S. The FICO Score is based on: * 35 percent – Record […]

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The Best-paying College Majors

According to Payscale, there are 130 majors that colleges offer. For those starting college or going back to school, choosing a major can be a daunting task. Based on data from 1,000 universities and graduates with bachelor’s degrees only, listed here are the top-paying 25 college majors for 2013. The mid-career salary reflects pay 15 […]