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Blog

An Emergency Fund for Life Unexpected

Submitted by LHD Retirement on February 9th, 2022

One of the first lessons of finance we are taught, by our parents or through some basic personal finance course, is to make creating an emergency fund our top priority. Having a reserve of cash equivalent to six to 12 month’s worth of living expenses is considered the most fundamental principal of financial security.

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Keeping it in the Family by Protecting Your Estate

Submitted by LHD Retirement on January 19th, 2022

An estate takes lifetimes to build but can be lost in the blink of an eye. Most of us don’t imagine assets that took decades to accumulate being drained in a few short years, but in some cases this is exactly what happens. Here are some of the top risks to an estate and some easy ways to manage those risks.

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How to Create a Financial Plan

Submitted by LHD Retirement on January 6th, 2022

Creating a financial plan may seem overwhelming to those that have never completed one, but taking the first steps to creating a plan is much easier than you may think.

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Renting Your Home? Why Renter’s Insurance is a Must

Submitted by LHD Retirement on December 17th, 2021

A tight housing market is leading many young adults to postpone purchasing a home, choosing instead to go the rental route. Many simply don’t want to be encumbered with a mortgage and all of the responsibilities that go with home ownership.

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Top 15 Money Management Tips

Submitted by LHD Retirement on December 6th, 2021

We all have our own unique relationship with money. We certainly have our own unique way of both spending and saving money.

However, if you’re ready to start putting some money aside, or looking for tips on money management, or even the best way to pay your bills, the following tips may provide a little bit of help: 

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Eight Ways to Improve and Maintain a Good Credit Score

Submitted by LHD Retirement on November 19th, 2021

Whether you like it or not, your credit score can determine how easy or how difficult it is to buy a car, buy a house, get cell phone service, or even get a job.  A bad credit score can negatively impact just about every area of your life. Sometimes, a bad credit score can result from events entirely out of your control such as illness, disability, or from the loss of a job.

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Personal Loans and Credit Card Payoffs - What You Need To Know

Submitted by LHD Retirement on November 12th, 2021

With credit card interest rates ranging between 11 to 22%, it’s no wonder people are looking for alternative ways to handle and pay off their credit card debt. This is where a personal loan might come into play. Using a personal loan to pay off your credit card debt can help you manage your overall debt once and for all… if you know how to navigate the pitfalls.

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House Buying Tips

Submitted by LHD Retirement on September 22nd, 2021

Buying a house is one of the biggest, if not the biggest purchase you’ll make in your lifetime. Here are some tips and tricks for ensuring that the entire process is as stress-free as possible. 

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Pay Yourself First - The Holy Grail of Personal Finance

Submitted by LHD Retirement on September 9th, 2021

Remember way back to your first paycheck. The moment you open the envelope anticipating the windfall when all your hard work pays off. Then, like a swift kick to your gut, realty hits. Your takeaway earnings are almost always way lower than what you expected.

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Should You Have a Living Trust?

Submitted by LHD Retirement on August 25th, 2021

A will is the foundation of your estate plan and it is essential if your financial affairs are to be settled in accordance with your wishes. If you die without a will, or “intestate” as the law refers to it, essentially the state becomes your executor and your property will be distributed according to its laws.

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