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Saving For Specific Goals May Keep You More Disciplined

It's a big question in financial planning right now, but it could just as easily apply to human nature. What model works best for the average investor? A portfolio designed with cold, hard logic and efficiency, or another that, while less efficient, connects more directly with an investor's emotions by focusing on concrete, tangible goals, like saving for a wedding or college? More than a few financial advisors now embrace "goals based" financial planning, which can involve setting up separate accounts and portfolios to invest and save towards various goals. It is a trend that has been debated, discussed and studied for years, with research by Morningstar having found real gains for investors, even as others find the approach less efficient overall. By Scott Van Voorhis via TheStreet with contribution from Luis F. Rosa, CFP® EA

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So You're Stuck in a Cycle of Debt....Now What?

In order to stop running on a hamster wheel of debt, you’ll need to split your focus between two major financial priorities: Paying down debt and building up your savings. Regardless, getting stuck in a debt cycle can keep you from getting a proper financial foothold and accomplishing your goals. A massive debt load will drain your savings and tank your credit score, possibly forcing you to rely on predatory no credit check loans like payday loans, title loans, and cash advances when you have an unforeseen expense. And if you find yourself stuck in one, you’ll have put in some hard work to pull yourself out. So slide your feet into the pedals and let’s get going! Via Opploans.com with contribution from Luis F. Rosa, CFP® EA

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What's a Good Debt-to-Income Ratio?

There are many reasons why it’s getting more difficult for young people to purchase their first home. But one contributing factor is that more young people today are saddled with student loan debt than they were in decades past, and this debt affects their debt-to-income (DTI) ratio. By Jamie Friedlander via Student Loan Hero with contribution from Luis F. Rosa, CFP® EA

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