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Covenant Trust Company

IRAs – 10 things to know

Saving for retirement should be an essential part of everyone’s financial plan. One of the best ways to do that is to open an IRA. If you’re unsure if an IRA is right for you or if you don’t even know what an IRA is, here are 10 things to know about IRAs to help you understand what they are and how they work. “IRA” is an acronym for Individual…

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Money management tips for graduates

Graduates: as you transition to the next phase in your lives, money management will become a bigger responsibility. You’ll likely make more money but will also have bills – and probably debt – that you previously never had to deal with. By establishing healthy financial practices early on, you can set yourselves up for a lifetime…

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Four financial points to ponder

What comes to mind when you think about your finances? Rent, loans, food, savings, and entertainment are commonly associated with money. However, there is more to your finances than these things. Here are four aspects of your financial life that you may not be considering. Retirement Do you know where you want to live or what you…

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A financially healthy mindset

Being financially healthy requires more than making enough money to cover your expenses. We’ve probably all heard stories about lottery winners, professional athletes, and other millionaires who eventually declared for bankruptcy; though they had the money, they didn’t have the right mindset and spending habits to avoid…

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Performing a cash flow analysis

Do you know how much money you make or know where all of your money goes? You may have a general idea, but it’s important to know how much money you make and how you spend that money with more specificity. A cash flow analysis can help you track this information. This is a financial exercise that records your income and expenses over a period…

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Common retirement planning mistakes

While we can learn a lot from our own mistakes, we can learn from the mistakes of others, too — this is true in life and true in retirement planning as well. Below are three common retirement-planning mistakes that you can learn from as you prepare for your own retirement. Not saving earlier Starting to save for retirement earlier…

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Debt elimination strategy

There are some tips and tricks to getting out of debt, but mostly, debt elimination is about patience and discipline. Unless you suddenly receive a large sum of money, paying off debt is a marathon, not a sprint. It’s important to keep this in mind; it’s easy to get discouraged when you don’t see results right away. But just because…

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Closing out 2013

The holidays can be hectic, but don’t let a busy Christmas season keep you from reviewing your finances and financial documents before the end of the year. Here are a few things to do before 2014. Organize Throughout the year, you likely accumulated receipts, investment statements, bills, and other financial documents. Day to…

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A financially smart holiday season

Christmas is over a month away, but it’s never too early to start preparing your finances for the holiday season. Without a plan, it can be easy to fall into unhealthy consumer habits, so set aside time this week to create ground rules for your spending. Here are a few suggestions.   Don’t tap into your savings The meaning of this…

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