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Who is really in charge of your finances?

We've just posted on "who is really in charge of your finances". There's a lot of talk about the fiscal cliff and spending and taxes. But what affects your finances and who is responsible? Click through to our site and read the entire article. Here is the beginning of the article... Well, who is in charge of your finances, you or the government? We've heard so much about the fiscal cliff and taxes and fighting across the aisles over the best plan for the country. But at the end of the day who is really in charge of your finances and how much impact do the choices of the government have on your finances. And why? The impact is high for most people because they are cash poor due to high amount of debt they carry. Most of their cash every month is going out to make their debt payments. When you're in that position small changes to your take home pay can have real consequences that you feel as soon as they happen. A change in taxes for instance feels like you've just a financial vise tightened around your neck. When you are in that position you have lost power in your own life. At that point small changes in tax rates and interest rates can feel devastating. Now let's look at the other side of this. What if you didn't have the debt you're carrying now? Let's say you've paid off your debts and you're putting good money away for retirement and you have little to no debt left. Maybe just the mortgage or maybe you've paid that off too. You don't walk around every day with that financial stress you used to carry with you every step of every day. At that point when there's a change in taxes, or interest rates, or property taxes you aren't happy, but you aren't worried either. It's night and day compared to being in so much debt that it affects your financial choices and forces you into decisions you don't want to make. You do not want to spend your life letting other people you don't even know make decisions that have a negative impact that you feel in your wallet whenever they cast a vote. You don't want to give up control of your finances to your debts and credit card bills. And you don't want to go through this throughout your entire life. You want your finances in order and under control. You want the freedom that comes with being debt free. What you want is achievable... Click through to our site and read the entire article. Thank you.
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Student loan debt affecting multiple generations

Student loans are starting to put the squeeze on the parents and grandparents who took on loans to help their family get an education. Now they're starting to feel the heat from those payments in this tough economy. There is now over 900 Billion dollars in student loan debt. That's now higher than the amount of credit card debt nationwide. But there's more too it than that. Read on...
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Your savings for retirement – 11 ways to maximize your 401 K plan

We just posted on 11 tips to maximize your savings. 10 tips from a well read article and then we added in the most important tip. Tip # 11 is key to maximizing your savings no matter where your money is being invested for retirement. So click the link and come to our site and read our post so you can maximize your savings too. And while you're on our site at moneyplanonlin.com download your freeebook on why you need to get out of debt before it's too late.
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How a rising fed funds rate could affect your debts

The fed funds rate is ridiculously low right now. But it can’t stay there forever. So how could that affect your debts and your savings when it starts to rise again? So, what is the Fed Funds Rate and what does it do? We’re going to keep this simple and to the point as all we really want to cover here is how it will affect us and our money. The federal reserve periodically meets and announces whether the current will stay the same, increase, or decrease. Click through to learn how it will affect you, your wallet, and your debts when the fed funds rate stats to rise again. Will you be ready for it? What can you do to get ready for it? Read on....
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Credit card debt is up but late payments are not?

Credit card debt is up again. According to the article below it’s up around 6%. Of course if you’re in that group that have increased the amount of credit card debt over the last year this is bad news. It means that you’re throwing away money in interest that you could be using to ease up your monthly budget or even more importantly, to boost your retirement savings. It also means that you’re carrying around more financial stress that you don’t need. And your debt is influencing your financial decisions or in some cases eliminating your choices. You know that credit card debt is on the rise. And fortunately, late payments are still low. But that’s as good as that information gets. We have some information of our own for you. We have written an ebook you can download and read that shows you how your debt is affecting you today… and how it is crushing your future by keeping you from saving enough for later in retirement when you’ll really need it. It also discusses some other ways your debt is hurting you that you don’t often think about. We think about it because we’ve been helping people around the country get completely out of debt for over a decade. We know the struggles that come from living with too much debt, and how it feels to finally feel the freedom again that you had before you got into debt. You used to have this thing called financial security before you traded it in for credit card and other debt. You need to get your financial security back and take control of your finances. Learn more about getting your financial security back, and download your complimentary copy of our report on why you have to get out of debt before it's too late. Like it or not, if you have debt and it's taking a big chunk out of your income every month then you need to understand that your debt is crushing your future. You can not afford to let that happen. Click on the link to this article and come to MoneyPlanOnline.com and download your complimentary ebook. Your future is important enough to spend a few minutes looking into how to save it, isn't it?
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