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You’ve built a good life for yourself and your loved ones, and you’re expecting to leave them financially secure when you’re gone. That’s an important goal, but some people don’t reach it because of simple oversights in their planning for the future.

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Has overspending at the holidays become a tradition in your household, leading to some unpleasant surprises when the credit card bills arrive in January? There are many ways you can give meaningful gifts without breaking the bank. 

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We’ve just begun the new year, but the next academic year is still months away. Nonetheless, if you have a child who will be attending college in the fall, it’s not too soon to start thinking about what might be a vital component of paying for his or her higher education: financial aid.

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Now that 2015 is upon us, you may be thinking about making some New Year’s resolutions. Perhaps you’ll decide to take up a musical instrument, or hit the gym more often, or even learn a new language. All these are worthy goals, of course — but you could also gain some key benefits by working…