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It’s real easy to accumulate multiple credit cards and the more you carry, the bigger risk your run of damaging your credit. Ray Lucia provides a few tips on how you can better manage your credit card risk.

Frustrated with the investment options in your company sponsored 401(k) plan? You might be able to rollover all or some of your or all of your 401(k) plan to a self-directed IRA and open up your retirement account to the possibility to outside investments.

When you retire, one of your biggest decisions you may make is to take a monthly pension from your employer or take a lump sum that you can invest yourself. Before making a decision, Ray Lucia has a few items you may want to consider first.

College Savings 529 plans are typically opened by parents or grandparents to help save for a child’s education in the future. However, according to a recent study by Wall Street Journal, some pre-retirees are including 529 plans in their retirement planning.

Are you living paycheck to paycheck? According to a recent survey by AC Nielsen, you’re not the only one. Ray Lucia provides some simple tips to help you increase your savings. A little can go a long way.

To stay informed and fight identity theft, you should get a copy of your credit report at least once a year. Under the federal fair credit reporting act, everyone is entitled to a free report.

You’ve probably seen those ads on TV: Nice looking, smiling people thanking XYZ Debt Consolidation Service for making their lives worthwhile once more by lowering their monthly debt payments.

But is XYZ really your new best friend? Maybe.

Reducing debt is definitely the way to go, especially high-interest credit card debt. But before you sign up with a credit counseling outfit, try to crunch your own budget and negotiate directly with your creditors.

But if you can’t do this yourself, at least do some comparison shopping.

Talk to at least three agencies. Be sure to avoid those with complaints against them at the state attorney general’s office or the local better business bureau. Look for agencies that take time to care...

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