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On a budget
Each phase of life comes with its own set of financial circumstances, goals and necessities. The question is, how should we be spending, or saving, our income as we move through different stages?

Local Investing
Locally grown. Locally sourced. These days it is all about going local. But what about investing? Can a portfolio be locally sourced? Is it a good idea?

Crowdfunding as collateral
So you want to start a business, but donít have the start-up money or the collateral to ask the bank for a loan? And you donít want to ask friends or family? Do the next best thing ó ask a stranger. 

Planning for your retirement
Is your retirement plan on track? How do you know? According to a survey by Employee Benefit Research Institute, 60 percent of Americans arenít sure theyíre on track to retire successfully. Unfortunately, many of them may be right.

Credit card hacking
Although credit card companies and financial institutions are becoming smarter about protecting peopleís personal information online, credit card fraud and identity theft are still very real threats.
Millennials and managing money
While millennials have been labeled with negative stereotypes like materialistic and entitled, the reality is that crippling debt and lack of employment opportunities have significantly impacted this generationís financial future.
Estate essentials
"Picture this. Youíve been invited to a meeting; when you get there you realize itís the first meeting after your own death. You canít say anything. You can only observe. What do you see? Is your family celebrating your life or are they sitting there helpless not knowing what to do or whom to trust." 
In the hot seat
If youíre an aspiring entrepreneur seeking money from angel investors, youíd better be prepared with a snappy pitch to get their attention.
The new normal
With the Great Recession becoming a distant bad memory, people are once again thinking about the future ≠ó including retirement planning. But the recent economic setbacks have left many wary of the market and the security of their retirement investments.
Fiscal fitness
When it comes to wealth management, there are several ways good intentions can go awry. Our panel of experts outlines five common mistakes and advises how to avoid them. Knowledge is power, and in this case, itís profitable.

Creative Sisterhood
Growing up in Glendale with six siblings in a single-parent household, the Bendfeldt sisters learned to be resourceful at an early age. "We were forced to be MacGyvers," says Amy Bendfeldt Barnum. "If there was something we wanted, we had to get creative."
Hot jobs
Gaining employment in todayís marketplace depends on the ability to offer relevant skills, especially those considered "nonroutine analytical," says Dennis Winters, chief economist for the Wisconsin Department of Workforce Development.

Managing your wealth
Most of us have financial goals, whether it is to retire at a reasonable age, fund our childrenís education, do some traveling or simply manage debt. While overall plans havenít changed, peopleís attitudes have gone through a period of adjustment ó and thatís occurring across all age groups, local industry experts say.

John Bogle: A savings innovation and philosophy that remain relevant 11-28-16
PHILADELPHIA ó John Clifton Bogle works in a sunny office lined with books, piles of newspapers and research, paintings of Napoleonís battles, and Frederic Remington cowboy sculptures. At 87, he has slowed down only a little.
Financial advisers rely on the Monte Carlo method as the financial success predictor 11-21-16
PITTSBURGH ó There are a few common questions that many clients will eventually ask their financial adviser to answer.
Writing a will can be unpleasant, but it is time worth spending 11-14-16
PITTSBURGH ó Eighty-six-year-old Norman Clark saved up a tidy sum during his career as an independent plumber before he retired following a stint as chief plumbing inspector for Allegheny County in the Pittsburgh region, and heís not about to be like some people he has heard about who die without a will.
Stock analysts caution investors after Trump victory 11-07-16
Stock analysts are warning investors to take a deep breath and fight the inclination to respond if the stock market tests their nerves Wednesday, as America wakes up to Donald Trumpís stunning upset in the U.S. presidential election.
Gail MarksJarvis: Workplace benefits of all stripes are becoming harder to come by 11-07-16
Brace yourself for another year of stinging health insurance costs.
As open enrollment periods begin in workplaces, workers are facing the annual shock of rising health care costs.
Susan Tompor: Cybersecurity threats getting harder to ignore 10-31-16
With countries like China, Russia and North Korea becoming more aggressive in cyberattacks, and everyday fraudsters upping their game beyond the once easy-to-spot spam emails filled with bad grammar, cybersecurity threats as a whole are growing more ominous for individuals, small-business owners and large corporations.
How you can save over $1,000 by not getting sick 10-31-16
"Getting sick is expensive," said Dr. Rob Silverman. "The average adult gets sick with a cold or other minor illness about three times a year. Add up the lost wages, the various co-pays, and the cost of over-the-counter remedies, and it can easily come to over $1,000 a year."
The Journey: Test your retirement knowledge 10-31-16
What do you really know about your retirement money? Chances are, not much. A new global financial literacy survey by the Organization for Economic Co-operation and Development shows just 56 percent of adults can answer five of seven basic questions about financial knowledge.
Millennials arenít big spenders or risk takers, and thatís going to reshape the economy 10-24-16
WASHINGTON ó Theyíre known for bouncing around jobs, delaying marriage and holing up in their parentsí basements.
Why lower-income students are drawn to for-profit schools 10-24-16
CHICAGO ó Richard Green graduated from high school 20 years ago, eager to get a college degree in computer science and launch a career.
Parenthood: Tough act in money juggling 10-17-16
SEATTLE ó Every age group has its own financial challenges, but money pressures seem especially plentiful for young, working parents.
Financial protection bureau concerned by some student loan servicersí practices 10-17-16
PITTSBURGH ó Some student loans borrowers who are trying to get free of debt sooner by paying a little extra each month or making a lump sum payment toward the principal are discovering that companies servicing their loans are making it harder to save money on interest charges.
Gail MarksJarvis: Questions linger for Clinton, Trump on retirement issues 10-17-16
Thereís been barely a word from presidential candidates Hillary Clinton and Donald Trump about some important issues that will affect your pocketbook.
Gail MarksJarvis: As recession voices grow, check your exposure to stocks 10-10-16
Recession chatter is back. After skipping worrisome talk for a few months, a handful of respected analysts again are trash-talking the economy and flinging wet blankets at people oblivious to mounting risks.
Communication is key for financial harmony between spouses 10-10-16
PITTSBURGH ó While Pittsburgh-area residents Collin and Jasmine McHenry have never imposed a limit on how much they can spend on a big-ticket item without consulting each other, what they do have is an agreement on how much each will contribute to the household budget each month.
Falling number of credit approvals for car leases not necessarily a bad sign 10-10-16
PITTSBURGH ó Although lending institutions have loosened up credit standards in recent years for car leases and purchases, the number of people being turned down for automobile leases due to poor credit has been growing since the beginning of the year and hit its highest point in August, according to a company that tracks that market.
Banks warming up to mortgages again after housing crisis 10-03-16
If you want to buy a home and go to a bank for a mortgage, you may get a warmer welcome than people have received in years.
Gail MarksJarvis: Liberal arts grads struggle with underemployment, study says 10-03-16
Warning to college students and millennials still trying to recover from the Great Recession: About 44.5 percent of recent college graduates are underemployed after settling for jobs that typically donít require a college education.
Should a parentís financial help to children come in the form of a loan or a gift? 09-26-16
PITTSBURGH ó Parents often want to help their adult children who need a financial boost, and it frequently comes down to a choice of whether the help should be in the form of a gift or a loan.
Gail MarksJarvis: Bank Black movement faces challenges 09-26-16
Lori Roper is planning her wedding and preparing to put all the arrangements into place: choosing the venue, ordering the cake, picking a dress, selecting music and opening a checking account at an African-American owned bank.
Colleges add convenience fee to those who put tuition on credit card 09-26-16
PITTSBURGH ó Not a lot of people pay college tuition bills with a credit card. But some do ó whether for convenience or to get those nice rewards points.
Gail MarksJarvis: For financial advisers, sussing out fear moves to the forefront 09-19-16
Does your financial adviser really know you? He or she should. And Iím not talking about a handshake as you enter the office followed by an exchange of pleasantries such as, "How are the kids?" 
Frugal couple wonder if retirement is but a dream 09-19-16
SEATTLE ó Saving for retirement is a source of financial anxiety for 29 percent of Americans, a recent survey by life insurer Northwestern Mutual estimated.
Say hello to two members of that 29 percent: Gail and Sid Ouattara, who live outside Seattle.
Gail MarksJarvis: Once considered safe, Ďsmartí funds may be dumb investment 09-12-16
Who could resist investments that are "smart"? They certainly sound better than "dumb investments" or "idiotic funds."



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