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The Perils of Ignoring the Bull

by Ralph Bender, MBA, CFP® | Economic Commentary, Inflation, Market Update, Running Money ®

Don’t fight this bull. It could destroy your future. The Dotcom Bubble burst in early 2000, killing the last secular bull market. Since then, we have had two major bear markets, one driven by economics and the other by financial panic. As recently as 2013, the...

How do I improve my credit score?

by Ralph Bender, MBA, CFP® | Credit Management, Enduring Principles, Financial Plan, Running Money ®

I am in the process of trying to improve my credit score and was wondering if you had ways I could do that… The best way to improve a credit score is to pay off the debts, but there are a number of other issues, too. Credit scores attempt to indicate how a...

Locking the doors after everything is taken; advice about freezing your credit

by Ralph Bender, MBA, CFP® | Credit Management, Identity Theft, Protecting Family Money, Running Money ®, Technology

The bad guys already have your name, Social Security Number, birth date, address and possibly even your driver’s license number1. It is just a matter of time before the crook who stole your information sells it to a fraudster who attempts to use it for illicit...

The Tipping Point

by Ralph Bender, MBA, CFP® | Fitness, Inspiration, Motivation, Running Money ®, RunninRalph

Little things can make a big difference. It has been over a decade since I got my first Garmin Forerunner watch. These devices use the GPS satellites to track running workouts, then sync the completed activities to software making it easy to analyze. After finishing a...

If Trump is so bad, why is the market doing so good?

by Ralph Bender, MBA, CFP® | Economic Commentary, Market Update, Politics, Running Money ®

It sure looks and feels like a bull market. The S&P 500 Index set 25 new all-time highs through the first half of this year, and never once had a pullback or drop of as little as 5%. After 15 years of tough times for stock markets, are we finally returning to the...
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