This guide walks you through exactly what causes impulse buying, the real financial damage it causes, and nine practical strategies to stop. Maybe you stopped at the supermarket on the way home, hungry, and grabbed...
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With the advent of spring our attention shifts towards growth and development. Some big items on many people’s to-do lists range from spring cleaning at home to readying their garden in preparation for summer. It...
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There’s a saying that “hindsight is 20/20” and the older one gets, the more often that phrase seems to be used! A young person doesn’t always have the information – or knowledge- to make the...
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The education savings vehicle that keeps getting better! With today’s average cost of a 4-year college education running at $101,210 for a public college and $230,290 for a private college and increasing at 5% per...
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Several times a year, after months of intensive study, a determined group of budding financial planners “sit” for the day-long exam to become a CERTIFIED FINANCIAL PLANNER™. It is a tense day and the culmination...
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What is a credit score? Why is it important? Your credit score is a three-digit number (generally between 300-850) that lenders use to assess your creditworthiness. It’s based on a variety of factors, including your...
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In the years since the Silicon Valley Bank collapse, we have all learned more about bank stress tests and how these tests protect our financial system from banks taking extra risks. I was thinking about...
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At HTG, we discuss with our clients the importance of creating good saving habits – start early, save as much as you can, but leave room to have a little fun in your life. A...
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Clients often ask us how to ensure that their assets are “safe”. The answer to this question lies in understanding the difference between FDIC insurance for bank accounts and SIPC protections for brokerage accounts. What...
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Recently we have been receiving more calls from prospects indicating they are looking for a fee-only advisor. This is good news for us and great news for consumers, as it shows that the public is...
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