What is a credit report and why is it important for your financial future?

A credit report is the most important document of your financial life. Banks, landlords and sometimes potential employers all check your credit report to make decisions about your financial reliability — whether they want to lend to you or hire you. Everyone should understand the basics of a credit report and what yours means to you. What is a credit report? Not to be confused with credit scores — your credit report is a compilation of information about the way you handle your credit and debt accounts. It includes information about how much debt you’ve accumulated, how you pay your

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A little recognition can go a long way in the workplace

Duane Salonen opens the bottom drawer of his desk to reveal his stash — stickers. “If I don’t bring stickers to a meeting, they get mad now. They say, ‘where are the stickers?’ One day I was out of them, so now they keep me stocked up. Stephanie, Jody, and Jessica brought me this whole supply and now I’ll always have some.” You’re probably wondering why grown adults at an accounting firm care about stickers. “It’s all about receiving a little recognition. Over the years, I’ve learned that recognition can be one of the biggest motivators for people. They really

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The Benefits of Year-Round Tax Planning

Tax season is over, but that doesn’t mean you should put off tax planning until next year. Most people forget about taxes after they file their return, but there’s no better time to start tax planning than right now. What if you planned all year and made conscious decisions to minimize your tax burden? What if with just a little foresight, you could simply work smarter rather than harder for change in your pocket. If you’re waiting until March, or even early April, every year to think about income taxes, you’re causing yourself unnecessary anxiety and may ultimately be losing

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