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A Primer on Dividends
Brett Sebion, Financial Coach  – November 04, 2024
When looking for income-generating investments, some investors turn to dividend-yielding stocks. When a company makes a profit, that money can be put to two uses: Dividend Ratios Investors track dividend-yielding stocks by examining a pair of ratios.1 Dividend per share measures how much cash an investor is scheduled to receive for each share of dividend-yielding […]
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The Average American Budget
Heather Jordan  – October 28, 2024
According to the Bureau of Labor Statistics, the average American household earns an average of $82,852 a year before taxes and spends almost 80% of their available income on basic necessities such as housing, food, and clothing. So, how does your household compare? Housing The average American spends roughly 33% of their income on shelter. […]
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For 401(k) Plan Participants, Consistency is Key
Brett Sebion, Financial Coach  – October 23, 2024
Recent research1 from the Employee Benefit Research Institute (EBRI) and the Investment Company Institute (ICI) found that 401(k) plan account balances increased significantly between 2016 and 2020 for participants who made regular and consistent contributions to their plan accounts. The study reinforces just how helpful it is for plan participants to contribute consistently to their plan […]
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Why Your Credit Score Matters and How to Improve It
Heather Jordan  – October 15, 2024
What’s the big deal about maintaining a good credit score? The big deal is that a good credit score can get you a better rate on loans of all types — auto, mortgage, and consumer. Lenders look at your credit score to determine whether you are a good, average, or bad credit risk. What Exactly […]
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6 Benefits of Having A Budget
Heather Jordan  – October 11, 2024
The importance of making a budget is a financial lesson that cannot be overemphasized. If you and your family want financial security, following a budget can be key. Still not convinced? Below are six good reasons why everyone should create and stick to a budget. KEY TAKEAWAYS If you’re like most folks, you probably aren’t […]
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Should I Pay Off My Mortgage?
Brett Sebion, Financial Coach  – October 08, 2024
Being unsure whether to pay off your mortgage or not is a good problem to have. It means you have significant savings and have afforded yourself some choices. While the idea of being debt-free is appealing to many, there are also compelling reasons to keep your mortgage. Let’s explore both sides of the debate to […]
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