2012 MONEY

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Baby on a budget

While a welcome addition to most families, babies can be expensive. In addition to prenatal care and birth expenses, parents will also be faced with the costs of actually caring for their new child. Bottles, blankets, bibs, booties and everything else babies require can really add up over time. H...

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Your home: Buying versus renting cost breakdown

You've been a renter for years, but now that your lease is almost up and you've taken a job that will keep you closer to home, you're thinking it might be time to buy. That's right. You said it -- buy. You're ready to be a homeowner, but is your pocketbook? There's no doubt about it. Buyin...

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Teaching kids about budgets and allowances

Teaching kids how to handle money is essential to them becoming responsible adults. One of the ways to teach them about money is to give them an allowance. How you go about this is up to you. You could dole out one set amount every week, or vary the amount and frequency according to your schedule...

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Finding the right fit for your financial needs

You work hard for your money. Don't trust it to just anyone. Just as you took your time to find the perfect bank, make sure you take the time to find the perfect guide, whether an accountant, investment consultant or financial planner. Consult the phonebook, Internet and people you know, a...

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Delaying retirement has financial, social benefits

The need to save for retirement is something professionals start hearing about from the moment they begin their careers. Whether it's parents extolling the virtues of retirement plans or employers who encourage their employees to take advantage of their retirement programs, saving for retirement ...

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The basics of estate planning

With regards to finances, the future is a big part of many people's financial planning efforts. Be it the kids' college tuition or the day when retirement finally arrives, financial planning is all about the future. Though college and retirement funds garner the most attention, men and wom...

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Your finances: Surprising ways to add to your savings

Learning to be more of a “saver” than a “spender” can often start with small steps that take you in a new direction and help you to acquire new habits. If you struggle with finding money to save, here are some ideas you may have overlooked: • Put aside y...

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Managing your money: Consumers spending more in 2012 on entertainment and leisure

New data from a major financial institution revealed that many Americans are enjoying themselves more in 2012. According to the Chase Freedom Lifestyle Index, a barometer of consumer trends based on aggregated Chase Freedom cardmember spending data, consumers are spending more on leisure activiti...

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When it makes sense to refinance your life

Do you know how much you are paying in interest every month on your credit cards, auto loan and mortgage? The answer may come as a surprise; therefore, it could be in your best interest to learn more about lowering your interest rates. Many people do not realize how much interest adds to t...

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Don't fall for foreign lottery fraud

Each year, organized groups of criminals target and victimize thousands of Americans by telephone, e-mails and through the mail—but you can protect yourself and your family. The United States Postal Inspection Service has documented over $42 million in losses from this type of fraud....