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When does your bank call you and offer to refinance your mortgage for a lower rate? Until last week, I would have answered, never! I have a fixed rate mortgage that I am paying off it off in four (4) years why should I refinance? The bank offered to lower the interest rate and pick up all the costs. Refinancing a mortgage at a lower interest rate isn’t always the right decision. What should I do? Read More…
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Have you ever heard of the Xanatos Gambit? “A Xanatos Gambit is a plan whose multiple foreseen outcomes all benefit its creator. It’s a win-win situation for whoever plots it. At its most basic, the Xanatos Gambit assumes two possible outcomes for the one manipulated — success or failure. The plan is designed in such a way that either outcome will ultimately further the plotter’s goals.” The planner always wins! Read More…
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Road to Riches can be a bumpy ride! Maybe you had a paper route, lemonade stand, sold Girl Scout cookies or some other money making activity as a kid. If you had an early interest in making money, you probably are likely to start a business. Although 50% of everyone has a net worth of less than $10,000, a select few are worth more than a million dollars! How do you match up?
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Congratulations class of 2013! Four years or more of hard work has gotten you here. Alright, maybe it wasn’t all hard work; you enjoyed college, joined a fraternity or sorority, participated in sports, joined clubs or organizations, enjoyed a party or two and had a good time. Now you have to start acting like an adult and get a job, move out on your own and support yourself. What should you do? Read More…
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When you ask a question, you are negotiating! Negotiation is a dialogue between two or more people or parties intended to reach an understanding, resolve point of difference or gain advantage in outcome of dialogue, to produce an agreement upon courses of action, to bargain for individual or collective advantage. Don’t you negotiate all the time in your personal and professional lives? Read More…
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Brought to life by novelist Ian Fleming in 1953, James Bond started out first as a character in a book, and then moved to film, television, radio, comics and video games. The infamous 007 has been the star of 23 films to date, and has enchanted Bond Girls and killed baddies for six decades.
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Do you have enough saved for retirement? It should be no surprise than too many Americans have not put enough aside for retirement. So much has been written about baby boomers and retirement, but I recently read a Los Angeles Times article how it is not limited to them. 10,000 baby boomers turn 65 years old every day and will for the next nineteen years! Will you have enough savings for retirement?
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As I get old(er), I tend to reflect on my decisions more often. It is one of the ways I learn to make better decisions and learn from my mistakes. Yes, I make mistakes! If you are making decisions, you make mistakes. No one bats a thousand! You cannot avoid making mistakes, but you should make more good decisions than bad ones. Especially the big decisions! Read More…
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Hey everyone, I’m Joshua Rodriguez. Thank you for reading my first article here on KRANTCENTS! Today’s article is inspired by an article that was recently published here on April called “Why You Should Think Twice About Paying Off Debt”. It discussed opportunity cost and its association with paying off debt and investing. In the article, you learned a lot about interest rates and, the cost of time when thinking about long term investments like 401ks
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Too young to retire and too old to get a job! There are many people in their forties and fifties that feel that way. They lost their jobs in the recession and cannot find another one. They already exhausted their unemployment and have given up. That’s right, they stopped looking! They do not have the savings they should have and they gave up. What should they do? Read More…
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Krantcents
Thanks, I agree and have said so for roughly 6 mon
Joe @ Stacking Benjamins
Excellent! People might want to hurry, too. Intere
Krantcents
A (Financial) part of me wants to have a mortgage
Krantcents
I started repaying additional principal about 3 ye
Krantcents
I did check with a number of people including a mo
