Clear Creek Financial Blog

Clear Creek Financial Blog

Financial Advice for All Life's Creeks

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Understanding Stock Investments: Common vs Preferred

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Throughout your life, there will be many financial investments to plan for, like saving for college, your wedding, a home, starting a family, retirement, and end-of-life planning. Of course, if you want to live an exciting life that’s only the basics of survival in society; if you wish, you may also want to save up […]

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Balancing Personal Concerns with DIY Investment Planning During Global Disasters

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The recent economic turmoil in global markets has show how volatile the financial world can be. This volatility tends to increase dramatically during a global disaster or unexpected situation. During this time, it is easy to be concerned and wary of investing. However, there are several tips that should be followed that could help you to manage […]

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Should You Rent Even When You Can Buy?

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To buy or not to buy a house – it is one of the most pressing questions for many Americans today when the economy seems to be so vulnerable and unstable. There are a lot of potential homebuyers who have been saving for years to purchase a house but are suddenly wondering if it will […]

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Do Health Savings Accounts Make Financial Sense?

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A health savings account, or HSA, is a smart choice for anyone who has a high deductible insurance plan. The HSA is used to pay for out of pocket costs not covered by insurance. Money in the health savings account is contributed pre-tax and can grow tax-free in the health savings account. Money not used each year […]

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Understanding Stock Investments by Style

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Do you know what kind of investor you are? Most people are not even aware that there is more than one type, but there are. In fact, many investors don’t fall perfectly into one category or another, but they have some mixture of a few. Stock investments by style can be broken down in multiple […]

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Understanding Stock Investments by Location

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Stocks are often grouped up by the location of the companies that they represent. What this means is that the average investor may take a look at their portfolio and see which parts of the world they are invested in. Most people are pretty heavy on ownership of stocks within their native country, but it is often more helpful […]

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Understanding Stock Investments by Industry

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Newer investors should pay attention to a number of factors before putting their money to work. One of those factors are the stock investments by industry that they make. Should they load up on stocks from the technology sector because they hear the names of those companies batted around in the news? Does it make more sense […]

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Understanding Stock Investments by Company Size

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There is a universe of thousands of stocks available to choose from for your investment portfolio. The question must be asked about what kind of stocks to include in that portfolio. Should you put your money down on companies that are well-known to you and the rest of the world? Perhaps, but could you be […]

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Bond Investment Basics: Municipal Bonds

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While there are several kinds of bonds, municipal bonds are among the most popular. A municipal bond is a government issued bond that is used to fun public services and planning, often being used to build roads and school, ports and airports and other forms of infrastructure. These bonds have recently been revitalized by new solutions utilizing […]

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Bond Investment Basics: Mortgage-Backed Bonds

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Investing for the future is important for anyone. Whether your financial goal is to eventually retire, purchase a home, or to simply improve your financial position, considering all of your investment options is very important. One form of investment that you should consider are mortgage backed bonds.    A mortgage backed bond is a unique form of investment that […]

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Bond Investment Basics: Foreign/International Bonds

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Bonds and the yields that an investor gets from them are impacted by risk factors associated with those bonds. This is why the savviest investors look to foreign bonds as part of their portfolio. The foreign bonds allow them to diversify their portfolio and make the greatest return while at the same time minimizing the risk associated.   International […]

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Bond Investment Basics: High-Yield Corporate “Junk” Bonds

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Michael Milken, known as the “Junk Bond King”, did some serious damage to the reputation of high-yield corporate bonds as an asset class. The investing public saw the collapse of a star like that as a sign that they should steer clear of this asset class entirely. While it is absolutely the case that no […]

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Bond Investment Basics: Investment-Grade Corporate Bonds

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The Average Joe out on the street wants to invest his money in something that generates a reasonable return for him while letting him sleep easy at night. It is often easier said than done as so many investments available today don’t cut the standard either way. Investment-grade corporate bonds are one example of something […]

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Bond Investment Basics: Non-Treasury Government Bonds

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When planning your life out, it’ll be fun thinking of your dream career, your wedding with the one you love, and all the travel you want to do. Unfortunately, all of these life decisions cost money, as well as planning for things like starting a family, retirement, and your end-of-life plans. The good news is that you […]

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Bond Investment Basics: U.S. Treasury Bonds

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Bonds, especially U.S. Treasury Bonds, comprise a mainstay holding, along with stocks, cash equivalents and real estate, for many investors. But just what are bonds, and how do they differ from stocks? Let’s take a deeper look.  Bonds are essentially IOU’s. The Issuer of the bond promises to give the entire principal investment back to the […]

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Basics of Life Insurance

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Listen to anyone trying to explain life insurance to you and it can be confusing. Variable life, term, adjustable life, universal life, second to die, whole life. Which should you choose, do you need life insurance, and how much do you need? These are difficult questions to answer but we will try to capture the […]

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How Much do I Need to be Able to Retire?

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We have talked about many retirement planning issues. It is time to determine how much money do you need in order to be able to retire. Many factors influence the retirement decision; however, we have assembled a table that will highlight some parameters and provide some guidance. Assumptions: Annual Income $70,000 Inflation 3.5% Earnings Rate […]

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You Just Received a Windfall – What Do You Do?

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Putting together this article was really inspired by a friend of mine winning the lottery. There are scenarios that happen every day to a lot of people. They receive an inheritance, a big bonus at work, a raise or they win the lottery. There’s a lot of stress and anxiety that can accompany the joy […]

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How to Invest in the Stock Market When You Don’t Have Money

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Most people think the stock market is only for the wealthy. In fact, I felt the same way until recently. I thought I needed thousands of dollars to start investing. That’s what the movies tell us, right? Only people who have thousands of dollars lying around can reap the benefits of investing in stock.   This […]

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Quick Tips for Beginning Your Student Debt Payoff Journey

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Close to 50 million Americans have some form of student loan debt, totaling close to $1.5 trillion at the end of 2018. For the first time in history, this debt is higher than credit card debt or auto loans. All of this is to say that if you have student debt, you’re far from alone […]

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Recent Posts

  • Understanding Stock Investments: Common vs Preferred
  • Balancing Personal Concerns with DIY Investment Planning During Global Disasters
  • Should You Rent Even When You Can Buy?
  • Do Health Savings Accounts Make Financial Sense?
  • Understanding Stock Investments by Style

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RSS Personal Finance News

  • The Moneyist: My second husband, 86, and I have 12 kids between us. He wants me to leave him everything — and will pass on the inheritance to my 5 children
    ‘He wants to leave the house to his children, but says if I outlive him I can live in it or rent somewhere if I wish to move.’
  • The Moneyist: I’m 30. My wife is 34. We saved $350K and I have $325K saved for retirement. Should we pay cash for a home — or take out a mortgage and invest it?
    ‘We have been cheaply renting for the last three years, and living as if I were still a very poor graduate student. During this time, we paid off all of our debts.’
  • Weary of #fakenews, more Americans are getting their COVID-related news from peer-reviewed medical journals
    Social media doesn’t help people differentiate what is real from what is fake, but this class of publications might.
  • The Moneyist: I received two $1,400 stimulus payments because I was also claimed as a dependent. Should I give one back?
    The Moneyist: ‘You cannot be claimed as a dependent and file a tax return yourself and expect a payment. It’s one or the other.’
  • The Moneyist: My wife drinks and gambles our money away, and my adult stepchildren are deadbeats who do drugs and play video games. What can I do?
    ‘We literally have nothing in savings and no plan for retirement, due to the fact that no one but me seems to care. At this rate, I am going to have to work until I’m 150.’

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