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Clear Creek Financial Blog

Financial Advice for All Life's Creeks

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Month: June 2020

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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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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