Articles for Young Adults

Student loans

If you have a student loan, you are not alone. One recent study found that almost two thirds of graduating college seniors had student loans and the average loan amount was over $23,000.

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Renting your First Apartment

Renting that first apartment can be exciting and a little bit scary.  You will probably look at several apartments to find the one that has the location you want, includes…
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Having Children and Money

Having a child is a major event in your family and for your finances. In 2013, the US Department of Agriculture estimated that the cost of raising a child from birth to age 18 was over $241,000, excluding the costs of college.

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Fundamentals of Income Taxes

Our federal income tax system was implemented in 1913 simply as a way for the government to collect revenue. Since then, the laws have been expanded and revised dozens, if not hundreds of times.

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Fundamentals of Borrowing

The sensible use of debt should be part of a sound financial strategy.  Debt can enable you to enjoy things that otherwise are currently beyond your reach.  Borrowing can also…
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Establishing Good Financial Habits

We all tend to develop habits that provide a rhythm or structure to our daily lives.  Once these habits are developed, they can be hard to break.  Building good financial…
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Building Your Financial Literacy

Starting your financial life and making the decisions that go with your independence can be intimidating.  The issues can be complex, the consequences of your decisions can be profound and…
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Build a Solid Credit History

A solid credit history can be one of your most useful and powerful financial assets.  A record of prudent credit use and prompt payments can enable you to not only…
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IRAs for Teens

IRAs for Teens   Few teenagers think much about retirement, but funding an Individual Retirement Account may be one of the best financial steps they will ever take.  The reasons…
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Make Your Money Work For You

Your money is an asset, and it should work hard for you in the same way you work hard to earn it.  While this may sound very general, there are…
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Glossary of Financial Terms

410(k) Plan- A type of "defined contribution" retirement plan in which employees contribute a portion of their wages on a pre-tax basis. The employer usually has some form of "match"…
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Financial Planning Basics

Taking care of your long-term financial affairs can one of the easiest things to put off.  It often seems that dealing with daily finances and the other activities of everyday…
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Making Your First Investments

You may already be making investments through your retirement plan at work, but at some point you may have funds that you want to invest on your own. This article…
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Buying Your First Car

Buying a car is exciting, potentially stressful, and often expensive.  In fact, for many people, buying a car is the third most expensive type of transaction they have – after…
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Have a Financial Strategy

A financial strategy is simply a plan on how you are going to handle your finances. It does not have to be overly complicated, but it should cover the basics,…
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Buying Your First House

Buying Your First House   Owning your own home has been part of the American Dream for years.  The pride of ownership and sense of belonging somewhere have been strong…
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Fundamentals of Investing

Investing is the process of acquiring assets that you hope will grow in value. Investments can include owning a home, owning a business, owning real estate or having money in savings accounts and CDs at a bank or credit union.

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Fundamentals of Insurance

Insurance provides protection. As simple as that sounds, many individuals spend little time considering all their insurance options and making sure they have the insurance they need at the most…
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