tag:blogger.com,1999:blog-77336836719189671402024-02-19T09:11:48.839-08:00David Justin Urbas - Financial AdvisorAll Types Financial AdviceDavid Justin Urbashttp://www.blogger.com/profile/14899757181485260596noreply@blogger.comBlogger111125tag:blogger.com,1999:blog-7733683671918967140.post-25296692862786854282020-11-15T22:13:00.001-08:002020-11-15T22:13:13.753-08:00Top Wealth Advisors<p style="text-align: justify;"><span style="color: #272727; font-size: 17px; font-style: inherit; font-variant-caps: inherit; font-variant-ligatures: inherit; font-weight: inherit;"><span style="font-family: times;">Markets are volatile and investors are anxious, but for America’s Top Wealth Advisors there has never been better reason to be in the business of providing advice and counsel. Forbes interviewed five top advisors, who manage a combined $15 billion in assets, to ask about their journey into the industry and experience advising clients in these unprecedented times.</span></span></p><p style="text-align: justify;"><span style="color: #272727; font-size: 17px; font-style: inherit; font-variant-caps: inherit; font-variant-ligatures: inherit; font-weight: inherit;"></span></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhLI0U_Uy710U5-MRSVggGLiBjGUE62NnFRZrc0OLbqM47LCGr2p8wOTiNF6-tE0BRbSEt2pXHnb0806OKbGqXDRn2ctMbuqYXQGtMx98YiqcjDTpcvCoh6j4DwrCv_ka3iDzVMe-iEjHs/s2048/Justin+Urbas+Finance.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Justin Urbas Finance" border="0" data-original-height="1365" data-original-width="2048" height="213" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhLI0U_Uy710U5-MRSVggGLiBjGUE62NnFRZrc0OLbqM47LCGr2p8wOTiNF6-tE0BRbSEt2pXHnb0806OKbGqXDRn2ctMbuqYXQGtMx98YiqcjDTpcvCoh6j4DwrCv_ka3iDzVMe-iEjHs/w320-h213/Justin+Urbas+Finance.jpg" title="Justin Urbas Finance" width="320" /></a></div><br /><span style="font-family: times;"><br /></span><p></p><p style="text-align: justify;"><span style="color: #272727; font-size: 17px; font-style: inherit; font-variant-caps: inherit; font-variant-ligatures: inherit; font-weight: inherit;"><span style="font-family: times;">Info: </span></span><span style="font-size: 17px; text-align: left;"><span style="color: #272727; font-family: times;"><a href="https://www.forbes.com/top-wealth-advisors/#4936ec891a14">https://www.forbes.com/top-wealth-advisors/#4936ec891a14</a></span></span></p>David Justin Urbashttp://www.blogger.com/profile/14899757181485260596noreply@blogger.com3California, USA36.778261 -119.41793248.4680271638211551 -154.57418239999998 65.088494836178853 -84.2616824tag:blogger.com,1999:blog-7733683671918967140.post-19888665890690835252020-10-14T23:14:00.004-07:002020-10-14T23:14:36.451-07:00How to Choose a Financial Planner<p style="text-align: justify;"><span style="font-family: times;">Financial planners advise clients on how best to save, invest, and grow their money. They can help you tackle a specific financial goal—such as readying yourself to buy a house—or give you a macro view of your money and the interplay of your various assets. Some specialize in retirement or estate planning, while some others consult on a range of financial matters.</span></p><p style="text-align: justify;"><span style="font-family: times;">Don’t confuse planners with stockbrokers — the market mavens people call to trade stocks. Financial planners also differ from accountants who can help you lower your tax bill, insurance agents who might lure you in with complicated life insurance policies, or the person at your local Fidelity office urging you to buy mutual funds.</span></p><p style="text-align: justify;"></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEik9VQfP09nMkAW6RIRHZE3d7H_krZAAtLlTOF7JfMVpQ9D_PEGV5Y1ERjkIkmgA__YuYTS6Rlbe_RML1LL_npCSBtp9AIJE2p6y4KTryxEY9aJ6rQOUOC8jKHuAhTMqnzdgEmfiRvpeW8/s1920/Justin+Urbas+advisor.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1272" data-original-width="1920" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEik9VQfP09nMkAW6RIRHZE3d7H_krZAAtLlTOF7JfMVpQ9D_PEGV5Y1ERjkIkmgA__YuYTS6Rlbe_RML1LL_npCSBtp9AIJE2p6y4KTryxEY9aJ6rQOUOC8jKHuAhTMqnzdgEmfiRvpeW8/s320/Justin+Urbas+advisor.jpg" width="320" /></a></div><br /><span style="font-family: times;"><br /></span><p></p><p style="text-align: justify;"><span style="font-family: times;">Anyone can hang out a shingle as a financial planner, but that doesn’t make that person an expert. They may tack on an alphabet soup of letters after their names, but CFP (short for certified financial planner) is the most significant credential. A CFP has passed a rigorous test administered by the Certified Financial Planner Board of Standards about the specifics of personal finance. CFPs must also commit to continuing education on financial matters and ethics classes to maintain their designation. The CFP credential is a good sign that a prospective planner will give sound financial advice. Still, even those who pass the exam may come up short on skills and credibility. As with all things pertaining to your money, be meticulous in choosing the right planner.</span></p><p style="text-align: justify;"><span style="font-family: times;">Typically, financial planners earn their living either from commissions or by charging hourly or flat rates for their services. A commission is a fee paid whenever someone buys or sells a stock or other investment. For reasons we’ll explain later, you may want to avoid financial planners who rely on commissions for their income. These advisers may not be the most unbiased source of advice if they profit from steering you into particular products.</span></p><div style="text-align: left;">Source: <a href="https://guides.wsj.com/personal-finance/managing-your-money/how-to-choose-a-financial-planner/">https://guides.wsj.com/personal-finance/managing-your-money/how-to-choose-a-financial-planner/</a></div>David Justin Urbashttp://www.blogger.com/profile/14899757181485260596noreply@blogger.com1tag:blogger.com,1999:blog-7733683671918967140.post-89293351941454331652020-07-08T22:02:00.000-07:002020-07-08T22:02:24.900-07:007 Pieces of Financial Advice That Forever Changed My Life<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="font-family: Times, Times New Roman, serif;">One significant reason this happens is because of their example and model. As we recognize their positive aspects, we seek to emulate those characteristics in our own lives.</span></div>
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<span style="font-family: Times, Times New Roman, serif;">Another reason is because of the conversations we have and the advice we share. The more quality time we spend with people, the more nuggets of wisdom we begin to hear from them.</span></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiwagTL-0aOEbdyp2vuHLqjeJtgPdUMDvQ3QYBi_HQqwciZgmNXbe36pY_BGhV4XaNWC7sMD1yDzOcmyVSFs01T-CDDPkdEWzEkn_2np-GG915Q9SEsRGSJ4_2J7Yr9Fmgg7piubqN4rmA/s1600/bank-note-941246_1920.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1200" data-original-width="1600" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiwagTL-0aOEbdyp2vuHLqjeJtgPdUMDvQ3QYBi_HQqwciZgmNXbe36pY_BGhV4XaNWC7sMD1yDzOcmyVSFs01T-CDDPkdEWzEkn_2np-GG915Q9SEsRGSJ4_2J7Yr9Fmgg7piubqN4rmA/s320/bank-note-941246_1920.jpg" width="320" /></a></div>
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<span style="font-family: Times, Times New Roman, serif;">Over the years, I’ve been blessed to have countless positive influences in my life. Their example and their wisdom have shaped me in every way—including my financial practices. Here are seven specific ways.</span></div>
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More: <a href="https://www.becomingminimalist.com/best-financial-advice/" style="text-align: left;">https://www.becomingminimalist.com/best-financial-advice/</a></div>
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David Justin Urbashttp://www.blogger.com/profile/14899757181485260596noreply@blogger.com4California, USA36.778261 -119.417932423.886426 -140.0722294 49.670096 -98.7636354tag:blogger.com,1999:blog-7733683671918967140.post-32786906639100250492020-06-14T21:56:00.001-07:002020-06-14T21:56:54.794-07:00How to Save Money: 20 Simple Tips<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="color: #1f2426; font-size: 12.5pt;">We all have
good intentions when it comes to saving money, right? We tell ourselves we’ll
start saving once we reach a certain milestone, like when we hit a specific
age, get a raise, or when Jimmy (finally) moves out of the basement.<o:p></o:p></span></div>
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<span style="color: #1f2426; font-size: 12.5pt;">But in reality, you’ll
only start saving money when you develop healthy money habits and
your future needs become more important than your current <em style="box-sizing: inherit;">wants</em>. A lot of times, our goal to save money
isn’t a big enough priority to delay the purchase of that new smartphone,
kitchen table or TV. So we spend our dollars away—or worse—go into debt to fuel
our latest bout of “want-itis.” That debt then turns into monthly payments that
control our paychecks—<em style="box-sizing: inherit;">and</em> our lives.<o:p></o:p></span></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiJ1bAXr1EaM46KyWcSYHsDSfop8QIHldEnaOXBrya_fAcA6ODQzROfRkz4rfzdi2irolf7zsjof8byrS74iTUsmUOnz6sJE7R_2lv_9bfG_mn7HAAAOy34CNoXJbk4FpqqbRz4t9CjXWg/s1600/save-4666418_1920.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1067" data-original-width="1600" height="213" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiJ1bAXr1EaM46KyWcSYHsDSfop8QIHldEnaOXBrya_fAcA6ODQzROfRkz4rfzdi2irolf7zsjof8byrS74iTUsmUOnz6sJE7R_2lv_9bfG_mn7HAAAOy34CNoXJbk4FpqqbRz4t9CjXWg/s320/save-4666418_1920.jpg" width="320" /></a></div>
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<span style="color: #1f2426; font-size: 12.5pt;">Sounds overwhelming right? It
doesn’t have to be. With a few tweaks to your spending priorities, you’ll be on
the fast track to saving money in no time.<o:p></o:p></span></div>
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More info: <a href="https://www.daveramsey.com/blog/the-secret-to-saving-money" style="text-align: left;">https://www.daveramsey.com/blog/the-secret-to-saving-money</a></div>
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David Justin Urbashttp://www.blogger.com/profile/14899757181485260596noreply@blogger.com1California, USA36.778261 -119.417932423.886426 -140.0722294 49.670096 -98.7636354tag:blogger.com,1999:blog-7733683671918967140.post-89585651499218217792020-04-01T00:39:00.001-07:002020-04-01T00:39:41.350-07:00Here’s the best financial advice these 10 advisors ever received<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="font-family: Arial, Helvetica, sans-serif;">Doling out advice on money matters is the stock in trade of the financial advisor. After all, it’s in their job title. So financial advisors, financial planners, wealth managers and the like are used to offering up advice on a daily basis to paying customers.</span></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhwMIO12lcGk6hKZdZHmoOxZfeM_Euh-hcNxj6VDMw-q4ZBXwcoN02D89cWftAuqUGsgJcsxqZZS7djUgyobjN4ek3Swb5BVvUHcr6QvRffWlAulEe2Us9GziA5qV0GsZ-IpjlsggIEuN0/s1600/money-2180330_1920.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1067" data-original-width="1600" height="213" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhwMIO12lcGk6hKZdZHmoOxZfeM_Euh-hcNxj6VDMw-q4ZBXwcoN02D89cWftAuqUGsgJcsxqZZS7djUgyobjN4ek3Swb5BVvUHcr6QvRffWlAulEe2Us9GziA5qV0GsZ-IpjlsggIEuN0/s320/money-2180330_1920.jpg" width="320" /></a></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">But what about the advisors themselves? What’s the best piece of financial advice they ever got? Presumably financial advisors, too, consult other experts on financial matters, much as doctors need another physician for their own medical care. Or perhaps it was a parent, a college professor or even a real estate agent who offered the most important financial insight they ever got.</span></div>
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For more: <a href="https://www.cnbc.com/2019/07/01/heres-the-best-financial-advice-these-10-advisors-ever-received.html">https://www.cnbc.com/2019/07/01/heres-the-best-financial-advice-these-10-advisors-ever-received.html</a></div>
David Justin Urbashttp://www.blogger.com/profile/14899757181485260596noreply@blogger.com1tag:blogger.com,1999:blog-7733683671918967140.post-25984369555064361552019-12-30T04:20:00.000-08:002019-12-30T04:20:21.442-08:005 WAYS TO FIND FREE FINANCIAL ADVICE<div dir="ltr" style="text-align: left;" trbidi="on">
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Who doesn’t want expert guidance on how to best manage their money? One of the biggest barriers to hiring a financial planner is the cost, but there are a handful of ways to get advice for free.</div>
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From occasional events that offer one-on-one meetings with a financial planner, to the individualized guidance offered by so-called robo-advisers, it’s possible to get at least some of your money questions answered by experts—at no cost to you.</div>
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There are caveats. Generally, if you’re not paying for it, you’re less likely to get the personalized attention and in-depth holistic planning that can be best for your long-term financial health.</div>
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Read: <a href="https://www.marketwatch.com/story/5-ways-to-find-free-financial-advice-2016-06-30" style="background-color: transparent;">https://www.marketwatch.com/story/5-ways-to-find-free-financial-advice-2016-06-30</a></div>
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David Justin Urbashttp://www.blogger.com/profile/14899757181485260596noreply@blogger.com2California, USA36.778261 -119.4179323999999823.886426 -140.07222939999997 49.670096 -98.763635399999984tag:blogger.com,1999:blog-7733683671918967140.post-38980609108041501382019-11-19T23:30:00.000-08:002019-11-19T23:30:26.121-08:00HOW TO BECOME A FINANCIAL ADVISOR<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="background-color: white; color: #666666; font-family: robotolight; font-size: 16px;">Financial industry research firm, Cerulli Associates, conducted a study showing that as of the beginning of 2010, independent registered investment advisers tripled their assets under management to a collective $1.7 trillion during a single 10-year period. This has caused the biggest brokerage and investment advisory firms to take notice, even as their salaried advisers continue to manage some $13 trillion in client assets.</span></div>
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<span style="background-color: white; color: #666666; font-family: robotolight; font-size: 16px; text-align: start;">A 2010 survey by TD Ameritrade published in the </span><em style="background-color: white; box-sizing: border-box; color: #666666; font-family: robotolight; font-size: 16px; text-align: start;">Wall Street Journal</em><span style="background-color: white; color: #666666; font-family: robotolight; font-size: 16px; text-align: start;"> found that investment advisory firms are seeing a major increase in assets, with 70 percent having experienced growth in the six months leading up to the report. The survey revealed that 64 percent of new inflows were coming at the expense of larger broker dealers, often referred to as wirehouses. Not </span><span style="background-color: white; color: #666666; font-family: robotolight; font-size: 16px; text-align: start;">surprisingly, the survey showed that 77% of investment advisers expressed a high degree of satisfaction with their career.</span></div>
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The industry as a whole has experienced explosive growth and, according to the U.S. Bureau of Labor Statistics, is expected to see a 30% increase in the number of jobs over the next eight years as investment markets become trickier to navigate and consumers look to professionals for help with managing their investment portfolios.</div>
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<span style="background-color: white; color: #666666; font-family: robotolight; font-size: 16px; text-align: start;">More: </span><a href="https://www.financialplannerworld.com/become-a-financial-advisor/" style="text-align: left;">https://www.financialplannerworld.com/become-a-financial-advisor/</a></div>
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David Justin Urbashttp://www.blogger.com/profile/14899757181485260596noreply@blogger.com0California, USA36.778261 -119.4179323999999823.886426 -140.07222939999997 49.670096 -98.763635399999984tag:blogger.com,1999:blog-7733683671918967140.post-8372717987932626582019-10-09T22:16:00.000-07:002019-10-09T22:16:28.487-07:00When Is It Time To Hire A Financial Advisor?<div dir="ltr" style="text-align: left;" trbidi="on">
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From time to time I get emails from readers who have realized that they need financial help that goes beyond reading blogs and books.</div>
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Some readers’ finances have suddenly grown more complicated, either as the result of a new job or an inheritance, while others simply want personalized advice that helps them increase their savings or pay down debt.</div>
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At the moment, running Money Under 30 takes up all of my time, so I’m not able to offer advisory services myself. If I were to start, I’d likely seek the professional credentials of a Certified Financial Planner (CFP).</div>
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After 10 years of writing on the subject, I consider myself well versed in personal finance, but I don’t have experience with individual counseling. That’s something to consider if you seek a financial advisor; it’s no different than seeing a doctor who may have 10 years of research and publishing experience but has never performed clinical exams.</div>
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Read: <a href="https://www.moneyunder30.com/when-is-it-time-to-hire-a-financial-advisor" style="text-align: left;">https://www.moneyunder30.com/when-is-it-time-to-hire-a-financial-advisor</a></div>
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David Justin Urbashttp://www.blogger.com/profile/14899757181485260596noreply@blogger.com0California, USA36.778261 -119.4179323999999823.886426 -140.07222939999997 49.670096 -98.763635399999984tag:blogger.com,1999:blog-7733683671918967140.post-21205240161249794792019-09-02T02:58:00.001-07:002019-09-02T02:59:28.046-07:0010 Tips to Help You Get Approved for a Home Loan<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="background-color: white; color: #666666; font-family: "open sans" , "arial" , sans-serif; font-size: 14px;">So how do you get approved for a home loan? Mortgages can be complicated and confusing for many homebuyers. It doesn’t have it be. In this article we will simplify the process of getting a home loan. Compare Loan Offers from Multiple Lenders </span></div>
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<span style="background-color: white; color: #666666; font-family: "open sans" , "arial" , sans-serif; font-size: 14px;">1. Get Your Credit Report and Scores for Free To get a home loan there are several factors that come into play, but your FICO score is the most important. You can check your credit report and get your scores online for free. Credit Karma has a great tool that allows you to view your credit history and gives you updated credit scores. You can also monitor you credit and get alerts whenever there are changes to your credit. </span></div>
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<span style="background-color: white; color: #666666; font-family: "open sans" , "arial" , sans-serif; font-size: 14px;">2. Look for Errors on Your Credit Report You will want to review your credit closely for errors. Mistakes on credit reports is a bigger issue than you may realize. In a study by the FTC they found that 1 in 5 consumers had at least one error on their credit report. If you do find inaccuracies you can dispute them with the three major credit bureaus. They have 30 days to investigate your dispute, if they find that the item in question is inaccurate they will correct it.</span></div>
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<span style="background-color: white; color: #666666; font-family: "open sans" , "arial" , sans-serif; font-size: 14px;">Read more: </span><a href="https://thelendersnetwork.com/how-to-get-approved-for-a-home-loan/" style="text-align: left;">https://thelendersnetwork.com/how-to-get-approved-for-a-home-loan/</a></div>
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David Justin Urbashttp://www.blogger.com/profile/14899757181485260596noreply@blogger.com0United States37.09024 -95.712891000000013-36.4162205 99.052733999999987 90 69.521483999999987tag:blogger.com,1999:blog-7733683671918967140.post-27646269274742529892019-07-03T23:52:00.000-07:002019-07-03T23:52:27.380-07:0074 Creative Ways to Save Money on a Tight Budget<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="box-sizing: inherit; font-weight: 700; max-height: 1e+06px;">There isn’t a person on this Earth who hasn’t thought, “I wish I could save more money.”</span></div>
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However, <em style="box-sizing: inherit; max-height: 1e+06px;">wanting </em>to save money and <em style="box-sizing: inherit; max-height: 1e+06px;">learning how </em>to save money are two very different things. Many of us want to have better financial habits and dream of long term wealth. Yet, those initial steps often stop us.</div>
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Saving money, it turns out, can be a challenge at first. But, that doesn’t mean it’s an impossible skill to learn. Once you learn how to save money, it gets addicting. You start to wonder how you can save in many different aspects of your life. You watch your savings accounts grow and then your savings enable you to pay off debt. Suddenly, after months and years of good savings habits, you find yourself with excess money that you can generously give to others and make the world a better place.</div>
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Read more: <a href="https://www.dollarsprout.com/how-to-save-money/" style="background-color: transparent; text-align: left;">https://www.dollarsprout.com/how-to-save-money/</a></div>
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David Justin Urbashttp://www.blogger.com/profile/14899757181485260596noreply@blogger.com0California, USA36.778261 -119.4179323999999823.886426 -140.07222939999997 49.670096 -98.763635399999984tag:blogger.com,1999:blog-7733683671918967140.post-91325040600573649312019-06-25T22:04:00.001-07:002019-06-25T22:04:12.865-07:0050 Personal Finance Tips That Will Change the Way You Think About Money<div dir="ltr" style="text-align: left;" trbidi="on">
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We’ve certainly amassed a wealth of knowledge over the years covering the money beat—be it the dozens of “I got out of debt” success stories we’ve featured to the scores of psychological studies we’ve covered linking better financial decision-making to behaviour change.</div>
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So given that it’s Financial Literacy Month, we’ve decided that there is no better time than now to round up our 50 top money tips into one juicy, super-helpful read. From the best ways to budget to how to boost your earning potential like a pro, these nuggets of financial wisdom are as fresh as the day they were published.</div>
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First Things First: A Few Financial Basics</h2>
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1. Create a Financial Calendar</h3>
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If you don’t trust yourself to remember to pay your quarterly taxes or periodically pull a credit report, think about setting appointment reminders for these important money to-dos in the same way that you would an annual doctor’s visit or car tune-up. A good place to start? Our ultimate financial calendar.</div>
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Read more: <a href="https://www.themuse.com/advice/50-personal-finance-tips-that-will-change-the-way-you-think-about-money" style="text-align: left;">https://www.themuse.com/advice/50-personal-finance-tips-that-will-change-the-way-you-think-about-money</a></div>
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David Justin Urbashttp://www.blogger.com/profile/14899757181485260596noreply@blogger.com2California, USA36.778261 -119.4179323999999823.886426 -140.07222939999997 49.670096 -98.763635399999984tag:blogger.com,1999:blog-7733683671918967140.post-85073947890636341502019-06-16T22:00:00.000-07:002019-06-16T22:02:35.155-07:00Tax Saving Tips To Improve Your Finances Considerably<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="font-size: large;">Reducing tax amounts is not a distant dream but a very favorable reality. You just need to do a couple of things to witness considerable tax savings the coming year. Take a look at some tax saving tips from reputed financial advisor Justin Urbas.</span></div>
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Who does not love saving on taxes each year? As the financial year rolls on into tax filing time, many people are concerned if they can really save taxes. Reducing tax amounts is not a distant dream but a very favorable reality. You just need to do a couple of things to witness considerable tax savings the coming year. Take a look at some tax saving tips from reputed financial advisor Justin Urbas. You can apply them in your own life.</div>
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Read more: <a href="https://justinurbas.wordpress.com/2018/11/12/tax-saving-tips-to-improve-your-finances-considerably/" style="font-size: 1.1875rem;">https://justinurbas.wordpress.com/2018/11/12/tax-saving-tips-to-improve-your-finances-considerably/</a></div>
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David Justin Urbashttp://www.blogger.com/profile/14899757181485260596noreply@blogger.com2tag:blogger.com,1999:blog-7733683671918967140.post-28772242096685739532019-06-06T21:50:00.004-07:002019-06-06T21:51:36.618-07:00Save money for future<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="font-size: x-large;">10 Ways to Effectively Save Money for the Future</span></h1>
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It is much easier and more enjoyable to take the income, the money we have earned and worked hard to receive, and spend all of it every month, purchase whatever we want and not think about the future. The future, for some people, is so far away that we think that it is not necessary to think about it. But in reality, there is no better time to think about it than now.</div>
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Read more: <a href="https://www.investopedia.com/articles/investing/100615/10-ways-effectively-save-future.asp">https://www.investopedia.com/articles/investing/100615/10-ways-effectively-save-future.asp</a></div>
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David Justin Urbashttp://www.blogger.com/profile/14899757181485260596noreply@blogger.com0tag:blogger.com,1999:blog-7733683671918967140.post-5294536320830738632019-05-30T23:12:00.001-07:002019-06-02T23:00:10.151-07:00<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif; font-weight: normal;">One of your budgeting goals may be to have extra money that is not spent during the month.</span></h4>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">You may be accumulating this extra money to spend on something big within the year without going into debt – for things like a new furniture or gadget. For this, you need to accumulate your money in a savings account. The savings account may be earning you next to nothing in interest, but it will keep your money safe for the purchase. A savings account is a good place to keep your money if you have a short term goal for saving.</span><br />
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<span style="font-family: "times" , "times new roman" , serif;">Also, the money that you save for the long term is going to be affected by inflation. Inflation, which is the rising price of things, makes your money worth less and less over time. The interest you earn on savings account usually cannot cope with inflation. You need to put it in an investment where your money grows to retain its value or even increase in value.</span></span><br />
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">Before investing, you should first consider these factors that will determine when, where, and how to invest:</span><br />
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Link: <a href="https://www.budgetingincome.com/factors-to-consider-before-investing/" style="font-family: times, "times new roman", serif;">https://www.budgetingincome.com/factors-to-consider-before-investing/</a></h3>
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David Justin Urbashttp://www.blogger.com/profile/14899757181485260596noreply@blogger.com1tag:blogger.com,1999:blog-7733683671918967140.post-50001705609854163492018-11-27T22:57:00.000-08:002018-11-27T22:57:08.961-08:00How to Save Money: Daily, Monthly and Long Term<div dir="ltr" style="text-align: left;" trbidi="on">
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<b>Saving Money Begins With Your Mindset.</b></div>
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Avoid thinking of money-saving techniques as restrictive — although they can often feel that way. At NerdWallet, we think about a budget as a spending plan because saving money doesn’t mean you have to quit spending altogether. It just means you have to prioritize some financial goals over others.</div>
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<b>Depending On How Much You Want To Save, Here’s How To Do It.</b></div>
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<b>Get Serious About A Budget</b></div>
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Ready to get started? We recommend the 50/30/20 budget for smart money management. Devote 50% of your income to necessities, 30% to wants and 20% to savings. If you find one of your allocations exceeds these percentages, make some adjustments to fit the formula.</div>
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<b>Read more: </b><span style="text-align: left;"><a href="https://www.nerdwallet.com/blog/how-to-save-money/">https://www.nerdwallet.com/blog/how-to-save-money/</a></span></div>
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David Justin Urbashttp://www.blogger.com/profile/14899757181485260596noreply@blogger.com0Chicago, IL, USA41.8781136 -87.62979819999998241.4995241 -88.275245199999986 42.256703099999996 -86.984351199999978tag:blogger.com,1999:blog-7733683671918967140.post-40233865587684267352018-01-20T02:46:00.001-08:002018-01-20T02:46:50.356-08:00Follow These Tips If You Want To Save Taxes This Year<div dir="ltr" style="text-align: left;" trbidi="on">
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Saving taxes is one of the key priorities for millions of people in the United States and around the world. For many businesses and homes, reducing tax deductibles is a great way of feeling wealthy. But is it that easy?</div>
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The answer is a resounding yes, according to leading financial consultant Justin Urbas. You can actually go on to save a considerable amount with certain tax reduction techniques. Let us take a look at the steps an average person can implement to save taxes below.</div>
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How To Really Save Taxes This Coming Financial Year?</h4>
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<b>1. Review Your Tax Code -</b> There are incidents every year, of people paying more than they actually need to. It has to do with incorrect tax codes. If you find out you’re on the wrong code, try to be on the right one. It can help you attain realistic tax savings. </div>
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<b>Read more:</b> <a href="https://justinurbas.wordpress.com/2018/01/20/follow-these-tips-if-you-want-to-save-taxes-this-year/">https://justinurbas.wordpress.com/2018/01/20/follow-these-tips-if-you-want-to-save-taxes-this-year/</a></div>
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David Justin Urbashttp://www.blogger.com/profile/14899757181485260596noreply@blogger.com1tag:blogger.com,1999:blog-7733683671918967140.post-72871272324343160452017-12-05T21:51:00.001-08:002017-12-05T21:51:40.816-08:00Financial Tips to teach you Kids<div dir="ltr" style="text-align: left;" trbidi="on">
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<b>Start Young</b></div>
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When it comes to advice on how to teach your kids about money, it’s hard to sort through the not-so-great stuff to get to the “oh, that’s helpful!” parts.</div>
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It’s unfortunate because experts say that it’s important to broach the subject of money with kids at a young age, but studies show that parents are more comfortable discussing bullying, drugs and smoking than family finances or investing.</div>
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“There’s no way to expect a child at any age to understand money unless you talk about it,” says Neale Godfrey, author of “Money Doesn’t Grow on Trees: A Parent’s Guide to Raising Financially Responsible Children.”</div>
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So what should you talk about? Godfrey walks us through what she thinks are the five most important financial conversations to have with your kid.</div>
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<b>Read more:</b> <a href="https://www.realsimple.com/work-life/family/financial-literacy-kids">https://www.realsimple.com/work-life/family/financial-literacy-kids</a></div>
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David Justin Urbashttp://www.blogger.com/profile/14899757181485260596noreply@blogger.com0tag:blogger.com,1999:blog-7733683671918967140.post-73507395225306051802017-11-10T02:47:00.000-08:002017-11-10T02:47:58.216-08:00Simple ways to save money.<div dir="ltr" style="text-align: left;" trbidi="on">
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Sometimes the hardest thing about saving money is just getting started. It can be difficult to figure out simple ways to save money and how to use your savings to pursue your financial goals. This step-by-step guide to money-saving habits can help you develop a realistic savings plan.</div>
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<b>Read more: </b><a href="https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting/ways-to-save-money">https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting/ways-to-save-money</a></div>
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David Justin Urbashttp://www.blogger.com/profile/14899757181485260596noreply@blogger.com0tag:blogger.com,1999:blog-7733683671918967140.post-52089046503455102492017-11-03T00:37:00.002-07:002017-11-03T00:37:12.240-07:00Financial Tips For Young Adults.<div dir="ltr" style="text-align: left;" trbidi="on">
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Unfortunately, personal finance has not yet become a required subject in high school or college, so you might be fairly clueless about how to manage your money when you're out in the real world for the first time. Look at eight of the most important things to understand about money if you want to live a comfortable and prosperous life.</div>
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<b>Read more:</b> <a href="http://www.investopedia.com/articles/younginvestors/08/eight-tips.asp">http://www.investopedia.com/articles/younginvestors/08/eight-tips.asp</a></div>
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David Justin Urbashttp://www.blogger.com/profile/14899757181485260596noreply@blogger.com0tag:blogger.com,1999:blog-7733683671918967140.post-9602174968014294802017-09-11T22:50:00.001-07:002017-09-11T22:50:17.071-07:00Enhance your finance with these tips.<div dir="ltr" style="text-align: left;" trbidi="on">
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Maintaining and improving one’s finances can be a difficult task in today’s world. But it is not as impossible as it might seem. Reputed financial consultant <b>David Justin Urbas</b> has some valuable financial advice tips that anyone can follow for a better future.</div>
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<b>Read more:</b> <a href="https://justinurbas.wordpress.com/2017/09/12/anyone-can-enhance-their-finances-with-these-tips/">https://justinurbas.wordpress.com/2017/09/12/anyone-can-enhance-their-finances-with-these-tips/</a></div>
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David Justin Urbashttp://www.blogger.com/profile/14899757181485260596noreply@blogger.com0tag:blogger.com,1999:blog-7733683671918967140.post-71405912697598596082017-08-11T04:56:00.000-07:002017-08-11T04:56:24.061-07:00How Can You Proactively Work Towards Financial Improvement.<div dir="ltr" style="text-align: left;" trbidi="on">
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Finances are one of the most important aspect of our lives as they directly impact our lifestyle and conveniences. Many of us tend to lose control of our finances, and suffer as a result. In order to stop that from happening, one can follow a set of simple tips. </div>
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<b>Read more:</b> <a href="https://justinurbas.wordpress.com/2017/08/11/how-can-you-proactively-work-towards-financial-improvement/">https://justinurbas.wordpress.com/2017/08/11/how-can-you-proactively-work-towards-financial-improvement/</a></div>
David Justin Urbashttp://www.blogger.com/profile/14899757181485260596noreply@blogger.com0tag:blogger.com,1999:blog-7733683671918967140.post-23678043721929899592017-07-25T23:42:00.000-07:002017-07-25T23:42:50.810-07:00Financial Advice To Help You Regain Control of Your Money<div dir="ltr" style="text-align: left;" trbidi="on">
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Saving money is a big challenge for many individuals today with rising expenses. Whether you’re struggling to pay the bills, or failing to save enough, things might be quite difficult for you financially. </div>
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Read my blog here: <a href="https://justinurbas.wordpress.com/2017/07/26/financial-advice-to-help-you-regain-control-of-your-money/">https://justinurbas.wordpress.com/2017/07/26/financial-advice-to-help-you-regain-control-of-your-money/</a></div>
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David Justin Urbashttp://www.blogger.com/profile/14899757181485260596noreply@blogger.com0tag:blogger.com,1999:blog-7733683671918967140.post-1069978993811741012017-06-30T02:48:00.003-07:002017-06-30T02:48:46.518-07:005 tips to help you save your first $1,000<div dir="ltr" style="text-align: left;" trbidi="on">
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Amassing $1,000 might seem like a reasonable enough feat, but the majority of Americans have yet to accumulate that much in a savings account. In a recent GoBankingRates survey, 69% of adults admitted to having less than $1,000 in the bank. Worse yet, 34% have no savings at all. </div>
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Read more: <a href="http://money.cnn.com/2017/05/09/pf/saving-tips/index.html">http://money.cnn.com/2017/05/09/pf/saving-tips/index.html</a></div>
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David Justin Urbashttp://www.blogger.com/profile/14899757181485260596noreply@blogger.com0tag:blogger.com,1999:blog-7733683671918967140.post-34322091448926032402017-05-29T02:24:00.002-07:002017-05-29T02:24:37.588-07:00David Justin Urbas - Why Do People Like Balanced Budgets?<div dir="ltr" style="text-align: left;" trbidi="on">
I’ve spilled a lot of ink over the last decade talking about debt, deficits and sectoral balances. My broader points have been largely proven right over that time:<br />
The US government does not operate like a household or business and operates with an inflation or currency constraint and not a traditional solvency constraint.<br />
The US government was never at risk of a solvency crisis and its bonds were never at risk of default.<br />
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Government debt bolstered private sector balance sheets during the financial crisis and the deflationary bust and never posed a risk of hyperinflation.<br />
US government debt does not compete with private sector debt in a loanable funds model and therefore never posed a risk of causing high interest rates.<br />
There are a lot of moving parts in this discussion so we should be careful about generalizing. But I’ll try to keep this relatively simple.<br />
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Balanced budgets are attractive for an obvious reason – they imply fiscal responsibility. Running a persistent deficit implies fiscal irresponsibility. Of course, life is more complex than that. For instance, at the aggregate global level all balance sheets balance. Balanced budgets are the natural state of being. But we’re necessarily talking about a more micro case of governments and households so let’s dive deeper.<br />
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More at: http://www.pragcap.com/why-do-people-like-balanced-budgets/</div>
David Justin Urbashttp://www.blogger.com/profile/14899757181485260596noreply@blogger.com0tag:blogger.com,1999:blog-7733683671918967140.post-17106181533945790222017-05-25T01:00:00.002-07:002017-05-25T01:00:50.891-07:00Careers in Financial Planning Average Salary of a Financial Planner<iframe width="560" height="315" src="https://www.youtube.com/embed/Qt6MdoImGEE" frameborder="0" allowfullscreen></iframe>David Justin Urbashttp://www.blogger.com/profile/14899757181485260596noreply@blogger.com0