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download free Adobe ReaderCynthia V. Taradash regularly publishes in several area periodicals; here is a sampling of some of her articles:

download pdf to view and print Credit Reports Deserve a Look

Originally published on March 2, 2011 in the Coös County Democrat, Lancaster, N.H.

"…Checking your credit report on a periodic basis however, is very important as it is the best way I know of to ensure no one has stolen your identity.…"

download pdf to view and print Understanding and Evaluating Risk

Originally published on January 5, 2011 in the Coös County Democrat, Lancaster, N.H.

"Whether we are cognizant of it or not, every day we face risk. Just walking down the stairs is risky as we could fall and sprain an ankle… We understand though that risk is just a part of our daily lives and we do what we can to control it…"

download pdf to view and print Financially Dependent Adult Children

Originally published on May 5, 2010 in the Coös County Democrat, Lancaster, N.H.

"What do you do when your adult child is struggling financially? This can be a very difficult question to answer for most parents as there are so many variables that need to be weighed. Making good, well thought out decisions could lead to a successful, financially responsible child…"

download pdf to view and print The Facts About Self-Employment

Originally published on February 3, 2010 in the Coös County Democrat, Lancaster, N.H.

"…Self-employment can be both very rewarding and very stressful…Based on my observations, I have decided there are three key elements to starting and growing a business. The first key to success is…"

download pdf to view and print Investment Lessons Learned

Originally published on November 4, 2009 in the Coös County Democrat, Lancaster, N.H.

"What a difference a year makes. Last year at this time we were watching the stock market spiral downward seemingly out of control, large public US companies were failing, real estate sales dried up and the Federal government was taking unprecedented measures to try and reduce the negative impact of all of these events. Now, a year later,…"

download pdf to view and print Health Savings Accounts

Originally published on August 5, 2009 in the Coös County Democrat, Lancaster, N.H.

"Health savings accounts (HSA’s) are apparently a little understood, underfunded and underutilized perk of high deductible health insurance policies. As the cost of health care insurance has increased in the past few years…"

download pdf to view and print 15 Tips for Weathering the Recession

Originally published in the WRENZine, Spring-Summer 2009, Bethlehem, N.H.

"Below are fifteen tips for weathering a recession. Interestingly, while I focused on things to specifically consider during tough economic times, most of these tips can be applied during times of prosperity as well.…"

download pdf to view and print Planning for Financial Independence

Originally published on July 1, 2009 in the Coös County Democrat, Lancaster, N.H.

"We probably each have a different definition of financial independence. Do you know what financial freedom means to you? And, more importantly, what concrete steps are you taking to achieve that freedom and independence?.…"

download pdf to view and print Women Need to Plan Now for Their Financial Future

Originally published on June 3, 2009 in the Coös County Democrat, Lancaster, N.H.

"There is an interesting, but also somewhat alarming fact sheet posted on the Social Security web site stating “Social Security is Important to Women” although I’d expand that thought to say that financial planning in general is particularly important to women.…"

download pdf to view and print Spenders vs. Savers

Originally published on June 4, 2008 in the Coös County Democrat, Lancaster, N.H.

"Most people can be categorized as either spenders or savers. Depending upon who is doing the assessing there are a couple of other money types such as hoarders and givers but most of us are either naturally spenders or savers. If you are a spender who really wants to be a saver, it can be done. It won’t be easy but you can change your behavior if you are sufficiently motivated.…"

download pdf to view and print Quiz Shows Compounding Pays Off

Originally published on August 1, 2007 in the Coös County Democrat, Lancaster, N.H.

"… As you can see, compounding can have a significant positive impact on a portfolio. So, starting to invest even a small amount as soon as possible for some future long term goal means you might not have to invest as many dollars as you would if started later."

download pdf to view and print Fiduciary Responsibility Places Client’s Interest First

Originally published on June 6, 2007 in the Coös County Democrat, Lancaster, N.H.

"What does fiduciary mean? Essentially, it means the advisor must put the client’s interest first and recommendations to the client are required to be in the client’s best interest, even if that means the recommendations are not necessarily in the advisors best interest. Why are fiduciaries such a hot topic these days?…"

download pdf to view and print Planning For Baby Boomers

Originally published on February 7, 2007 in the Coös County Democrat, Lancaster, N.H.

"Because people are living longer, pensions are not as common and social security doesn’t typically bring in sufficient income to meet a retiree’s needs, there are a lot of years that people are dependent upon their investments. The worst calls I get are from people who need help because a parent has run out of money and can’t manage with just their social security income.…"

download pdf to view and print Simple Changes Can Set The Way To Owning A Million Dollars

Originally published on July 5, 2006 in the Coös County Democrat, Lancaster, N.H.

"Would you like a million dollars? Do you think owning a million dollars is an impossible dream? Actually, it probably isn’t. It does take a little bit of work but it probably isn’t as difficult as you might think it would be. The biggest obstacle to obtaining a million dollars is getting in the right mind set and understanding that it isn’t going to happen overnight.…"

download pdf to view and print Retirement Planning Can Lead to Tough Choices

Originally published on November 2, 2005 in the Coös County Democrat, Lancaster, N.H.

"Maybe you haven’t done anything yet to achieve your retirement goal and feel it is just too overwhelming to even think about. But, that doesn’t mean you can’t start today and take it slow so that it is manageable and controllable.…"

download pdf to view and print Financial Planning During Divorce

Originally published in the WRENZine, Fall 2004, Bethlehem, N.H.

"Going through a divorce can be difficult both emotionally and financially. It is a very challenging process to fairly divide your assets and figure out how you are going to create two households from one with the same total income. It is even more difficult if you don’t feel financially savvy and are concerned your spouse may take advantage of your lack of wisdom.…"

download pdf to view and print What The ChFC is a CFP®? And How Can You Ever Afford One?

Originally published on September 1, 2004 in the Coös County Democrat, Lancaster, N.H.

"There are various terms (financial planner, financial advisor, investment advisor)
for someone who provides financial advice and essentially they all mean the same thing and are frequently used interchangeably. There are basically three types of advisors and they are defined by how they are compensated.…"

download pdf to view and print The Importance of Establishing Your Goals

Originally published on March 3, 2004 in the Coös County Democrat, Lancaster, N.H.

"While you are thinking about your goals, don’t dismiss something important to you just because you think it would be impossible to achieve. If it is really important you will figure out a way to make it happen. Make your goals as specific as possible.…"

 

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