Chris DeSimio

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More people seem to be trying to simplify their lives by reducing the clutter in their homes and making conscious decisions about what to keep and what to discard.

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According to a report from the Federal Reserve, education debt held by U.S. households went up more than six times from 2001 to 2016. And many parents are either going into debt or not putting money into their retirement savings in order to help their children pay for college.

millennial money makeover
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There are a lot of myths about the habits, attitudes and desires of the millennial generation, those born between 1979 and 1994. But one reality is the uncertain economic future millennials face.

Is Your 529 Plan Working?

Aug 15, 2018
college tuition
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According to the College Board, the average cost of tuition and fees for the 2017 - 2018 school year was $34,740 at private colleges, $9,970 for state residents at public colleges and $25,620 for out-of-state residents attending public universities. The average annual increase in college tuition from 1980 to 2014 grew by nearly 260 percent.

How To Be Open With Your Partner About Money

Feb 8, 2018
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Numerous studies show most of us would rather talk about death, politics or religion than talk about financial matters. And it can be an even touchier subject for couples to discuss.

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A recent article in Marketwatch points out the high cost of financial illiteracy, $200 billion in the last 20 years as people made poor investment decisions, ran up credit card debt or made poor choices about borrowing money.

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While it can be difficult to think about taxes during the holidays, by following a few year-end tips you can prepare now to save on your taxes due in April. And the GOP tax plan could become law by Christmas, it's a good time to start thinking about how the new rules could affect you next year.

End-Of-Life Financial Planning

Nov 15, 2017
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Getting your affairs in order in case of death or disability is a project most of us would rather avoid. And there are lots of excuses for not doing it, from fear to lack of time and money. But the payoffs of letting your wishes be known can be huge, especially for family and friends.

Black Monday: Anniversary Of The Crash

Oct 17, 2017
MMakki

 

This Thursday is the 30th Anniversary of the October 1987 stock market crash that sent the Dow Jones Industrial Average plummeting by almost 23 percent in one day. Markets around the world also fell that day, making this the first contemporary global financial crisis. The huge drop in the Dow remains the largest one-day stock market decline in history, topping even the 1929 crash.

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There are many names for the group of people born from about 1981 to 1997-- millennials, Generation Y, Echo Boomers. A survey by investment firm T. Rowe Price called them the Money Conscious Generation.

Ohio Number One For Student Loan Debt

Aug 29, 2017
https://studentloanhero.com/student-loan-debt-statistics/
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A recent WalletHub study shows Ohio has the most student debt in the country with an average of $30,239 per student.  Nationally, student loan debt stands at a staggering $1.3 trillion.

Greg Hume

Once the home of influential anti-slavery author Harriet Beecher Stowe, the Stowe House in Walnut Hills is recognized as a site on the National Underground Railroad Network to Freedom.  Planning is underway for restoration work on the 184-year-old house located at the corner of Martin Luther King Drive and Gilbert Avenue.

Growing Your Green In The Days Of Low-interest

Jul 17, 2017
U.S. Department of the Treasury

Do you remember a time when a bank savings account earned about five percent interest each year? It’s quite a contrast from today, with savings accounts averaging just a little more than a half percent. Series EE Savings Bonds return one-tenth of a percent, nowhere near enough to keep up with inflation. Other government bonds have higher rates, but still average about two percent. You can do better with high-yield bonds and the dividends paid on some stocks, if you’re willing to take the risks associated with those types of investments.

The Founding Fathers And Our Financial System

Jun 26, 2017
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With the Fourth of July coming up next week, we take a look at the world of finance through the eyes of our country’s founders – a “Founding Fathers Finance Party,” so to speak.

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Not so long ago the Medicare federal health insurance program was relatively simple. Most Americans were more or less automatically enrolled in the program at age 65. Nowadays, Medicare has become vastly complicated, with different enrollment periods, different plans, and lots of other variables at play. Make a mistake in any of these areas and it can cost you money, aggravation, and lost chances to get the best health care.

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Many of us think we need to wait until our kids are old enough to “get it” before having the money talk. But research shows you actually can start the conversation much earlier. The research also shows the biggest influence on a child’s financial behavior is mom and dad. So, when and how do you start?

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Disruptive startups versus Blue Chip companies. Dave Knox calls this competition the new game of high-stakes business. 

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From balancing your checkbook or monitoring your credit score to finding a new job or adjusting your investment allocation, there are several steps you can take now that will help improve your financial situation over the next year and years to come.

Year-End Tax Tips And Financial Planning

Dec 6, 2016
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With hosting parties, visiting family and preparing holiday meals, December can be a busy month. Probably the last thing you want to think about this time of year is your finances. But with the December 31st deadline looming for certain financial activities, tax and financial experts say the time you spend now will reap benefits in the New Year and beyond.

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Political pundits aren't the only ones following this year's elections, investment professionals also have reason to closely monitor the polls and likely outcomes of the races for the White House and both houses of Congress. 

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