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Which way is the wind blowing when it comes to the Affordable Care Act, popularly known as Obamacare? 
 
Signed into law by President Obama in March 2010, the Affordable Care Act (ACA) was intended to make basic health care accessible and meaningful for everyone by creating a new transparent and competitive insurance marketplace. Phased in in stages, health insurance became mandatory with the non-insured paying tax penalties, high risk individuals could buy previously unattainable insurance through a federal high-risk pool, extending for children through parental insurance plans to age 26, closing Medicare D drug plan gaps, and much more.
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What could be more quantifiable, more rational, more black and white than money? The problem is that we are not always rational and no matter how we try, this fact immediately alters the world of our personal finances. In other words, when it comes to money, two plus two might equal four but when we add in our emotions this equation may not hold.

Money, quite simply, is an emotionally charged topic.

When people think about having a lot of money they think about how it can bring them happiness and fulfillment - and an exciting new definition both to their lives and their very sense of self. It’s not the actual numbers that make the difference. The definition of ‘a lot more money’ is different for everyone and is reflected in what people want to do with it.
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Is owning a home still an essential part of the American dream? Yes! According to a 2017 Pew Research Study, 43% of respondents said that owning a home was an essential ‘Dream’ element.

Despite remaining part of the ‘American Dream’ homeownership is at its lowest rate since 1994. 64% of Americans own their own home in 2018, down from the peak rate of 69% in 2005.

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Who hasn’t experienced running short of money? Whether the cause is illness or medical co-pays, a car emergency, family or pet crisis, a bigger than expected bill or plain old overspending, coming up with cash in a hurry is an urgent need many people face during their lifetimes. And they’re turning to personal loans to ease the pinch.

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Everyone has a dominant money type but rarely, if ever, is anyone solely a single money type. It’s normal to find other traits that are part of other, less influential-to-us types. For instance, you may be an Ostrich/White Knighter by inclination and you would say ‘this is my dominant type.’ But, you may have shades of being a Squirrel or a Coaster / Optimist, too. Take in all the information!

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Do you remember the pain of paying the highest gasoline prices ever? The year was 2012 and the nationwide average for a gallon of gas that year was $3.60. Ouch!

Gasoline prices are already rising this year, though not as high as 2012. 2018 began with the highest gas prices since 2014. So far this year prices have been mostly hovering close to $3 a gallon, but have dipped to a national average of $2.85 a gallon in the last few weeks.

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You’re well aware that our world is changing at an ever increasing pace thanks to new technologies. Have you positioned your investments to take advantage of these big shifts?  

The business landscape as we know it is expected to experience very dramatic shifts in the next 10-15 years. Many well established companies are expected to decline, whole job categories will disappear, and unheard of companies will quickly rise to the top.

What are exponential technologies and why should every person with even a small investment portfolio be paying attention?

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It’s easy to look at student loans as something simple to understand, to take out and to repay. The reason behind them is simple enough - funds to pay for post-high school education.

Federal student loans were introduced under Title IV of the Higher Education Act in 1965 along with federal grants and work-study programs. Federal student programs are available while enrolled at accredited institutions and can be used for traditional 4-year college educations as well as technical, career and trade educations.

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What if you could pay off your mortgage faster - much faster - in 5 to 7 years? What if you could pay off your mortgage that much faster without making extra payments or larger payments? What if paying off your mortgage that fast translated to learning how to move your money around more efficiently so that it works for your advantage?

Mortgage optimization strategy is the action plan that allows you to accomplish paying off your mortgage in 5 to 7 years and save tens to hundreds of thousands of dollars in mortgage interest.

To understand how this alternative form of financing your home works let’s look at how both traditional mortgage systems and traditional banking work.

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After 30+ years of working in personal finance I came to a startling conclusion: we each respond to money and finance like we do, in part, because of our ‘money type’ - the underlying archetypal behavior, attitudes, feelings and values we have relating to finance.

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