Vacations! Vacations? Vacations. Different emotions and feelings come with the word “vacation.” For some individuals and families it is the pinnacle of the year’s schedule, while for others it is the dreaded monster that has to be fought and dealt with each year.

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We all make mistakes. That’s probably not a great revelation to anyone. However, some mistakes can have much bigger ramifications than others. Forgetting to set your alarm may result in you being late for work one day, but marrying the wrong person will have a tremendous impact on the rest of your life. This concept holds true with your finances as well. Forgetting to mail in the water bill on time may require you to pay a small late fee, but as a one-time occurrence it won’t affect your financial well being.

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A Roth IRA is a special type of individual retirement account (IRA). It was created as part of the Taxpayer Relief Act of 1997 and provides special tax benefits that other retirement plans do not.

Individuals that contribute to a traditional IRA typically receive a tax break on contributions made to that plan. However, any withdrawals made from a traditional IRA trigger taxes.

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“He who is greedy for gain troubles his own house, but he who hates bribes will live.” Proverbs 15:27. How do these words of wisdom apply to a happy financial situation? Well there are many ways we can hurt our household by being greedy for gain. Sometimes in our lust for material things we can attempt to live beyond our means and put our family in a poor situation.

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“Celebration of Life” services can be a time for reflection and can give attendees a sense of joy in knowing the person being honored. I attended one of these services for a friend and found it a time for contemplation for a life well lived. The stories told spoke of a husband who loved his family. The kids described their lives growing up in a way that made me feel honored to know this man of God. When I attend such services, it almost makes me wish to die the day after my funeral so I can hear from the people who meant the most to me that my life was not lived in vain.

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What a lady Dr. Eugenie Clark was! She was a fearless ichthyologist and oceanographer who kept diving even into her nineties. She passed away February, 2015 at 92. During her stint as an underwater explorer for more than 50 years, she had close encounters with sea creatures such as a gigantic squid and a 500-pound giant clam. She swam with a school of man-eating barracudas and even hitched a ride on the back of a 50-foot whale shark. Dr. Clark wrote of these experiences in dozens of magazine articles, books, and documentaries, beginning with her first best-selling book in 1953 entitled, Lady with a Spear.

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While waiting in line at my bank, I accidently dropped a credit card on the table we were slowly circling. The card rested there for a few minutes before I realized it was missing and retrieved it. But that’s all the time it took for someone to replicate my card numbers and damage my credit. The next 14 months were run by the credit card that went astray.Have you experienced anything similar? Your credit history could be ruined by someone hacking into your computer or opening credit accounts in your name. The police might knock on your door, search warrant in hand, because your name, address and phone number have been connected to a Web site containing child pornography.

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