Financial Planning for Generation X & Y Women
 
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To list a Wi$eUp event in your community, pleaase send an e-mail to wiseupwomen@wiseupwomen.org. Include the title of the event, date, time, location and contact person with phone and e-mail address.

Debt, the Double-Edged Sword
Nov 29, 2011
The debt amount a person or entity owes to a creditor for funds borrowed is a four letter word capable of conjuring cold sweats in many Americans. Taking on certain kinds of debt may actually be a shrewd, financially sound move, according to experts at the Financial Planning Association® (FPA®), the largest membership organization for personal financial planners in the U.S.
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Secrets to Maintaining a Healthy Credit Score
Nov 28, 2011

In the credit-based world we live in, there is no denying the impact, positive and negative, this complex mathematical formula has on our lives, from getting a loan to getting a credit card to getting a job. In fact, just about any entity with which you want to do business is apt to judge you, at least in part, on your credit score. So yours better be in top condition.

Here, courtesy of the Financial Planning Association in Denver, Colo., comes advice on keeping a healthy credit score.


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A Financially Engaged Woman is an Empowered Woman
Nov 28, 2011

In revisiting a decade-old study, Financial Experience & Behaviors Among Women, Prudential found in 2010 that women in just 10 years’ time have become “more aware, engaged, and actively involved in their finances.” Today, according to the study, 95 percent of women are financial decision-makers, while 84 percent of married women are either solely or jointly responsible for household financial decisions.

How, then, can women continue the momentum of the last decade by becoming more conversant, and more involved, in household finances? Where there is a will, there is a way.


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Be Wise at Work: Use Open Enrollment to Your Benefit
Nov 28, 2011

For many employees, open enrollment season for workplace benefits represents their only chance to assess and adjust their current benefits for the year ahead so they best meet their needs and their budget. "You want to take advantage of all you are offered at work," said Philip Herzberg, CFP, MSF, a South Florida financial planner, "and taking advantage of your benefits options requires careful thought. This is no time to go through the motions."

Circumstances change from year to year, as do the benefits employers offer. The last thing you want is an ill-fitting benefits package that does not cover you and your family when you need that coverage most. By making an effort to actively engage in the benefits selection process, said Herzberg, you put yourself in position to make smart choices about insurance, retirement savings and other key aspects of your life and livelihood. Otherwise, those choices could be made for you.


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The Bottom Line on Bankruptcy: Real Consequences, Real Relief
Sep 7, 2011
The last word anyone with financial problems wants to hear is “bankruptcy.” But considering how the process can provide much-needed relief to people who are buried beneath a mounting burden of bills and debts, the perception of bankruptcy is often much worse than the reality. While filing for bankruptcy certainly has negative and lingering implications, for many people it is a step toward regaining control of their lives and gaining a fresh financial start.
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Leaving a Legacy: An Everyman’s Guide to Estate Planning
Sep 7, 2011
The myth believed is that estate planning and deciding how your valued assets will be handled after you die is only for wealthy people with a large financial “estate.” The reality is that estate planning makes sense all individuals, wealthy and otherwise.
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Why Smart College Grads Are Saving for Tomorrow, Today
Sep 7, 2011
You have graduated from college and landed your first “real world” job. Now that you have a steady income, it is time to get serious about your finances, not only for the here-and-now, but for down the road. Retirement may seem a long way away. However, to get there in good financial shape, you need to start saving and the sooner you start, the better.
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Financial Planning for Divorce: Making the Most of a Bad Situation
Aug 24, 2011

Their marriage may be over, but before parting ways, divorcing couples should take steps to ensure their finances do not meet a similar fate.

The decisions people make during the divorce process will have major and lifelong financial implications for each spouse and their children. It is vital that couples start thinking through those decisions early in the process.


» read more

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