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Money Matters

Lower Mortgage Rates Help Buyers and Sellers

By LINDA COMINS Staff Writer WHEELING — With U.S. mortgage rates dropping again in early January, area real estate agents say now is a good time to buy or sell a house in the Ohio Valley. Lee Paull III, broker of Paull Associates, said, “The rates are still very, very low, and within ...

Financial Planning Can Help One Reach Goals

By SHELLEY HANSON Staff Writer MARTINS FERRY — Trying to figure out how to pay one’s bills while also saving for retirement, a new car or a child’s higher education is not an easy task for most people. But there are professionals who can help. According to the National Association ...

Communal Living, Budgeting the Key to Financial Security

By ALAN OLSON Staff Writer One common problem former students face after leaving college is the prospect of leaving school with various amounts of debt, while wanting to continue experiencing the finer parts of life — marriage, social activites and raising a family, while still trying to ...

How Millennials Spend Their Money

Millennials include people born between 1980 and 2000. Millennials have become an influential demographic, changing the way business is conducted. While influencing technology, social norms and mores, millennials also are affecting the economy. Forbes says that many millennials have a ...

Traits of a Good Financial Adviser

When looking for help, consider these tips to get the best Professional financial advice can be a valuable asset for men and women focused on their futures. Effective financial advisers help their clients navigate the sometimes confusing waters of personal finance, helping them to achieve ...

Tips For First-Time Real Estate Investors

Real estate can be a good investment that helps build wealth and secure a financial future. According to Investopedia, average 20-year returns in commercial real estate hover around 9.5 percent, while residential and diversified real estate average returns of 10.6 percent. Such figures may ...

Online Banking Safety Tips

In the digital era, many errands that once required leaving the house can be conducted from the comforts of home. Groceries can be ordered online and delivered to consumers’ doorsteps, while bills can be paid online, saving men and women from having to drive to their nearby post ...

When to Use Credit And Debit Cards

The decision of whether to use a debit card or a credit card can affect consumers’ credit ratings and make it easier or more difficult to manage one’s personal finances. This decision often depends on the situation and understanding how each of these cards works. Credit cards allow ...

Massive Changes Coming to Tax Code

By CASEY JUNKINS Staff Writer WHEELING —Thad P. Obecny said during his decades of work in the financial sector, the only time he can remember such drastic changes to the federal tax code came more than 30 years ago during former President Ronald Reagan’s administration. “It is just ...

It’s Never Too Early to Save for Higher Education

By SHELLEY HANSON Staff Writer MARTINS FERRY — When it comes to saving money for college or other higher education options, it is never too early to start, according to the American Institute of Certified Public Accountants. And there are several options available for parents to ...

Sooner Is Better in Planning for Retirement

By ROBERT A. DEFRANK Staff Writer WHEELING — Retirement planning is sometimes a facet of life people delay, but sooner is better, according to Tim Roberts of Roberts & Coss Financial Planning in Wheeling. “My thoughts and my opinion is, as soon as they possibly can, and as much as ...