5 Item Checklist For New Dentists
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5 Item Checklist For New Dentists

Swimming has specific markers that you can use to predict someone’s potential. For instance, if you were to judge a group of strangers from afar to see who had the most significant swimming promise, you would look for physical markers that set them apart before they even got in a pool. These markers would be…

PSLF: The Best Student Loan Program for Non-Profit and Government Employees
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PSLF: The Best Student Loan Program for Non-Profit and Government Employees

The most advantageous program for non-profit and government employees is PSLF (Public Service Loan Forgiveness.) It features the shortest payoff period (10 years!) and tax-free loan forgiveness (which could be worth tens if not hundreds of thousands of dollars!) PSLF sounds good, but the process for forgiveness can be complicated. And considering that only 2%…

Should I Refinance My Home?
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Should I Refinance My Home?

In case you haven’t heard, mortgage rates are the lowest they have ever been. The chart below shows average mortgage rates over the past 49 years, from 1971 to 2020. Currently, the 30-year mortgage has an average rate of 3.17%. You can view the chart above and edit the timeline yourself in order to see…

Three Financial Planning Strategies During a Down Market
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Three Financial Planning Strategies During a Down Market

I remember the first time I had the wind knocked out of me. The day was unseasonably warm, and I was 8, lying in my dad’s arms in a hammock. I started to doze off and rolled out of the hammock, falling back-first onto the Mexican tile. I remember gasping for air, but I had…

Budgeting (Part 2): How Much Should I Be Saving?
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Budgeting (Part 2): How Much Should I Be Saving?

(This is part two in a series, if you didn’t read my last blog post, then I would recommend starting there.)  The most common financial goal I know of is financial independence. People want the freedom to travel, spend time with family and friends, work part-time, or start a business. However, America as a whole…

Budgeting (Part 1): Rules and Tools
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Budgeting (Part 1): Rules and Tools

You can find part 2 of Budgeting HERE When I was ten, we would visit our family friends in Michigan called “the five boys”, for obvious reasons. Being a ten-year-old looking for fun, their pig farm was perfect. We would arrive and clamber out of the car yearning for the green light from our parents….