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Money 101

An Unexpected Diagnosis and Disability Insurance

I’d like to introduce Tammy Blizzard, DVM. Her life took an unexpected turn when she was diagnosed with a disability that has not allowed her to currently work as a veterinarian. She happened to have disability insurance at the time of diagnosis, and as a result of her own experience, she advocates for others to…

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Investing: Asset Allocation

You have decided to take the plunge and start investing. You’ve gotten over your fears about investing, realizing that if you want your money to grow, you’re going to have to take on some extra risk and invest your money. You’ve learned about stock market history and learned that it’s inherently volatile (so don’t be…

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Investing- Why is it so scary? Part 2

In Part 1, I discussed the “why” behind investing and addressed some of the fears that come with investing. I will continue this discussion by going into the basics of the stock market. “WHAT’S A STOCK?” Here is a conversation I overheard recently: Boy 1: What would you do with a million dollars? Boy 2:…

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Investing- Why Is It So Scary? (PART 1)

Investing. It can be daunting for those that have no idea what investing is all about. For me personally, money and investing were not subjects that were discussed while I was growing up.  I did not hang out with people that talked about money. I attained a degree that did not require any knowledge about…

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The 20% Budget Rule: Part 3

Here we go: part 3 in the trilogy of the 20% budget rule. Catch Part 1 and Part 2 here if you haven’t done so already. By the way, I have no idea how I stretched this idea out to 3 posts. I guess it’s because I had a lot to say about it. If…

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The 20% Budget Rule: Part 2

Did you calculate your savings rate from Part 1? How close are you to a 20% savings rate? Part 2 will include a basic comparison between two veterinarians so that you can see what the numbers will look like.  To keep this focused on just savings, we’re looking at after-tax income, and we’re not accounting…

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The 20% Budget Rule: Part 1

So I have written about making your own, detailed spending plan (aka budget). I have also written about my own experience of budgeting without actually budgeting. What if you’re starting from scratch and want something really simple? Something that doesn’t require a lot of number crunching, but also doesn’t require that you are a natural…

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CDs And CD Laddering: A Primer

I have already discussed the importance of having an emergency fund.  These funds serve as a great source of comfort for when (not if) life throws you curveballs that happen to cost more money than you can typically handle on a month to month basis. What if you’re ready to pad your savings, apart from…

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