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Have you recently received a new credit or debit card from your financial institution? These new cards are equipped with imbedded computer chips to improve the security of in-store purchases. This action is a result of a new rule that goes into effect October 1, 2015 that requires merchants to upgrade their payment terminals in order to read the chips on the cards.

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How is the average person supposed to manage a career and family, while still preserving time for self-care? Keep in mind these ways to decrease stress and increase healthy behaviors.

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The Internet and social platforms have shifted the way we all buy, so consequently it is affecting the way we have to sell. The change is not only in retail or consumer driven products, it also holds a dominant role in business buyer decisions. Social selling is vital part in the entire business development process from branding and positioning you and your company as the thought leaders and subject matter experts in your industry to finding and engaging your target audience.

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Nine in 10 parents believe that college is a worthwhile investment. While this statistic from Sallie Mae’s How America Saves for College 2015 report shows that the value placed on higher education is nearly universal, a staggering 84% of parents are also willing to stretch themselves financially in order to make college possible for their children. “Better we have the debt than [our children] have the debt,” Democratic presidential candidate Martin O’Malley was quoted as saying in a recent Washington Post article on student loans and parent borrowers.

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The summer is winding down and hot summer nights will soon give way to cooler fall evenings. Those chillier temps will bring increased utility bills – just one added expense that you will face in the months to come. This begs a question: when the end of the year rolls around and the holiday hoopla is all over, will you be seeing more red or green in your bank account?

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Roller coasters – we may love them at amusement parks, but not so much from up-and-down moves in the market. How should you respond when your portfolio seems to hit one dip after another? Can you find a safe haven when all types of assets – stocks, bonds and commodities – seem vulnerable to losses?

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The famous Irish poet Oscar Wilde once described a cynic as, “the man who knows the price of everything and value of nothing.” This quote is also an accurate description of the methodology some business owners use when choosing a commercial bank. Using a single parameter to choose your bank ignores the substantial benefits it can provide beyond a commercial loan. Unfortunately, many business owners only look for a commercial bank when they need a commercial loan which frequently leads to a comparison on only one basis.

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“Wealth is rarely created by a singular event but rather through a series of best practices executed efficiently over time.” Planning for the future may seem like a daunting task, but the earlier you formulate a plan, the better. A great place to start is with a budget. A good approach to take is to follow the 50/20/30 guideline:

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It seems as if every month we are reminded that we can’t time the markets. In July the U.S. Equity market posted its best monthly gain since February with the S&P 500 up 2.10%. The commonly used Barclay’s Aggregate Bond Index was up 0.70% as yields fell and the 10 year Treasury closed the month at a yield of 2.18%. The range of the ten year was 2.45% on July 13 to the low of 2.18% on July 31, yields risk when prices fall. Year to date the indices are up 3.35% and 0.59%, respectively.

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If you have a retirement plan from a previous job or an individual retirement account, there are ways to move the funds without getting penalized by the Internal Revenue Service. These transfers, or “rollovers,” can be directed through a plan administrator or financial institution, but you can also make the switch too. If you do it yourself, be careful to avoid any of the following mistakes that can lead to tax penalties.

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With its ever-changing laws, continuous delays and lack of clear information some employers were under the impression the Affordable Care Act (ACA) employer mandate would never go into effect. But now it is 2015, and employers are facing thousands of dollars in potential penalties.

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While the financial turmoil in Greece has dominated the financial markets for much of this summer, the attention has now turned back to our economy and the low interest rate environment. As you may know, the Federal Reserve has had a 0% interest rate policy for over six years which has been quite accommodative, especially as both individuals and businesses look to borrow at historically low interest rates.

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