Michael on October 11th, 2007
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To further spread the availability of a truly unbiased financial planning education, Total Candor recently began to provide content to Divine Caroline. (DivineCaroline is the flagship site of Real Girls Media Network, Inc, which combines real voices with guided editorial and the dynamism of an online community.)
If you’re a parent (or even if you’re [...]

Continue reading about Total Candor articles at Divine Caroline

You: What kind of insurance makes sense to avoid?
When it comes to a genuine calamity such as a major car accident, premature death, or surgery, you’ll be thankful for your auto, life, and health insurances respectively. But there are many other unexpected expenses for which you should not purchase insurance. Fixing a minor fender [...]

Continue reading about Strategy # 16: Don’t pay to protect what you can easily afford to lose

Michael on July 6th, 2007
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You: I dare ya!  No, I double-dare you!
Thanks for the flashback to second grade.  No folks, when I say “Don’t risk a lot for a little,” I am not talking about jumping off the 25-foot bridge to save your pride with the other kids living in the “Whisper Walk” subdivision, even if the reward of [...]

Continue reading about Strategy # 15: Don’t risk a lot for a little

Michael on July 5th, 2007
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Although few things are scarier to imagine than dying at a young age, for young people without dependents long-term disability is actually a far greater financial threat. This is true for two reasons:

At younger ages you are more likely to become disabled than to die.
The financial implications of your untimely passing are minimal if [...]

Continue reading about Strategy # 14: Know your odds