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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.

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."
Gail MarksJarvis: Pushing back retirement age to 70 would be harder on low-income workers 08-29-16
It sounds like a simple fix to the nationís immense problem of funding Social Security and Medicare for an aging country ó just get everyone to work to 70 and the math works out a lot better.
How big box stores look to hook college students ó for life 08-29-16
CHICAGO ó Itís back-to-college season, which means retailers are battling to equip as many of Americaís freshmen with laptops, futons and minifridges as they can. 
Susan Tompor: Resist urge to splurge on glitz with school supplies 08-22-16
The back-to-school notebooks, folders, pens, pencils, binders and a scientific calculator added up to $100 for sixth-grader Kaylee Betts.
Gail MarksJarvis: Retired couples will need $260,000 for health care, investment firm estimates 08-22-16
Here are figures that may make you sick if you are planning to retire soon and havenít looked at what your health care costs will be be.
3 banking services that will be obsolete in 10 years 08-22-16
For decades, banking was a mundane, routine task. You visited a local branch to open or close accounts, deposit, withdraw and transfer funds.
Financial planners: Prenuptial agreements shouldnít be a deal breaker in remarriages 08-15-16
PITTSBURGH ó Young couples going into their first marriage with barely enough money between them to pay the rent donít usually have much to lose by combining their assets as they build a family and plan for the future.
Gail MarksJarvis: Donít fret about taking on a college loan, but do your homework first 08-15-16
College students: Welcome to the debtors clan. If you are like most students, you will need student loans to pay for college. And while thatís a scary thought for some, there is no reason to fret.
Gail MarksJarvis: Millennials: Saving $1 million is easier than you think 08-08-16
Could you save $1 million over a lifetime?
Millennials seem to think becoming a millionaire is completely out of the question. But many of them are wrong and are already blundering their way toward $1 million without realizing it. With a little more attention to handling their money, many could end up much better off than their parents.
Why the FICO score still rules despite a new breed of credit scoring and online lenders 08-08-16
For decades, the FICO score has been the dominant metric for deciding whether a borrower is creditworthy. When a borrower applies for a mortgage, a car loan or a credit card, chances are that a FICO score is one of the first things a lender looks at.
For many colleges, application fees mean revenue 08-08-16
PITTSBURGH ó August officially kicks off college application season. Rising high school seniors will begin inking their essays and submitting their grades and test scores to more than 4,000 U.S. colleges and universities.
When the kids grow up but donít actually leave home 08-01-16
PITTSBURGH ó The last thing Caitlin Hipp would have expected as she prepares to turn 28 years old next month was to be living at home with her parents.
Gail MarksJarvis: Law professor points out the holes in your retirement plan 08-01-16
Americans feel insecure. One reason is that their 401(k)s look too empty. As people peer into the contents, they see a retirement disaster coming. Even after years of working and saving, people just 10 years away from retirement age have accumulated little.
Gail MarksJarvis: Law professor points out the holes in your retirement plan 07-25-16
Americans feel insecure.
One reason is that their 401(k)s look too empty. As people peer into the contents, they see a retirement disaster coming. Even after years of working and saving, people just 10 years away from retirement age have accumulated little.



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