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Long-term care benefits come most easily if you know your policy
SAVAGE: Long-term care insurance providers are paying out claims. Policy holders need to know what their insurance provides.
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Instead of playing Lotto, improve odds by planning your future
Terry Savage: So you didn’t win the mega-millions jackpot, but you sure had fun trying! I know, because I bought a few tickets myself. All told, we Americans bought $1.5 billion worth of Mega Millions...
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SaveUp.com to stash cash, win prizes
TERRY SAVAGE: Would you take a bribe? To do the right things? Things like saving and paying down your debt? That’s part of the interesting psychology behind SaveUp.com — a free website that lets you...
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Economy teeter-totters through uncertainty
Which way will the economy, and the stock market, go? Both have been see-sawing back and forth, temporarily in a balancing act that has bulls and bears — and economists — holding their breath. The...
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Avoiding expensive IRA mistakes
Terry Savage: We’re “out of season” on IRAs. Unlike the tax-time crunch, few people are spending time thinking about their Individual Retirement Accounts. And that makes it the perfect time to remind...
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Even summer jobs face tax obligations
Q. My son has a job for the summer — a real job with a real paycheck. So will he owe taxes on this money, and will he have to file a tax return? A. Welcome to real life — where money earned is...
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What Congress can learn from a 12-year-old Money Smart kid
Charlie Tiseo is one money-smart kid. The 12-year-old sixth-grader at Still Middle School in Aurora won the essay competition with a piece entitled “The Curious Case of Benjamin Budget.” In the essay,...
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Deals meant to honor veterans for their service
TERRY SAVAGE. A few financial breaks are offered to veterans, from college education benefits to money to help a veteran buy a home.
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Dividends offer attractive return, but tax question remains
Thinking adding dividend-paying stocks to your portfolio? A lot of investors have been buying stocks to get dividend yields of 3 percent or more as a
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Give college students a break on loan rates
TERRY SAVAGE: Washington is playing politics with the interest rates on some federal student loans, which are scheduled to move back up to 6.8 percent in July. But what no one is acknowledging is that...
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$300 million fund can help unemployed pay mortgage
TERRY SAVAGE: There is $300 million sitting at the Illinois Housing Development Authority — just waiting to help homeowners who have fallen behind on their mortgages. It’s called the Illinois Hardest...
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You may be able to get back forgotten money
Q. I am a longtime investor and left money in a mutual fund which was doing quite nicely over the years. I never added to it, but it was growing. I received regular statements from the fund company,...
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Disability insurance more crucial than you may think
TERRY SAVAGE: Disability insurance is one of the most overlooked products in the insurance industry. But between the ages of 25 and 65, you’re four times more likely to be disabled than to die.
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Financial incentives change behavior — for better or worse
TERRY SAVAGE: With breaks on unpaid mortgages and talk of forgiving some student loans, what do you think should be done? Where does personal responsibility come in?
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Pension reform poses difficult financial question for state retirees
Terry Savage: State retirees can keep great health insurance but even moderate inflation will eat away spending power.
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Setting up financial planning for those who can’t do it themselves
How do you create a lifetime plan for someone who will always need care? It’s not only a question of money, but a question of responsibility. Fortunately, there is a financial planner who has...
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Loan repayment options for grads
TERRY SAVAGE: Sadly, your college degree didn’t come with a job guarantee. For many graduates, the idea of even thinking about starting to repay those student loans is a nightmare. But even if you...
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