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Bill Spencer
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Taxes This time instead of discussing debt, we will take a
look at income tax, January and February are the two months when the majorly of
Americans’ attention turns to another aspect of finance; namely taxes. The question is, what are taxes?   Definition o...

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EXPENSES   From the previous stated equation:   INCOME = EXPENSES + DEBT + SAVINGS. In common usage, an expense or expenditures are an
outflow of money to another person or group to pay for an item or servicer for
a category of costs. It is almost impossibl...

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INCOME Remember three sessions ago I introduced you to the
equation: INCOME = EXPENSES + DEBT + SAVINGS. The next 3 or 4 sessions I will attempt to explain
how these terms and equation may help you with your money matters. Again, I
will only give you ideas ...

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BANKS
and CREDIT UNIONS The majority of people in the United States use
either credit unions or banks for the majority of their financial needs. I will
outline for you the 7 basic differences between them. There are other resources
that people use for finan...

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INTRODUCTION TO THIS BLOG page 1 Hi, my name is Bill: I decided to produce this Blog for mainly 2 reasons: 1. I am now in my 80’s and have developed a lung
disease that requires continuous nasal oxygen. 2. Since my retirement 20 years ago, I have
volunteere...

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SETTING
GOALS Rule
of Thumb Without
a road map, you cannot reach your destination. Every individual and family have different plans for
the future. Think what you want for yourself and your family in the short term.
What about the long term. If you are like...

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  INTRODUCTION TO THIS BLOG page 3   I
retired 20 years ago from St. Elizabeth Medical Center in Dayton, Ohio. During my
34 years of employment I became very interested in the workings of money and
finance.    Shortly,
after the start of my employment, I be...

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INTRODUCTION TO THIS BLOG page 2   Up to the summer
after I graduated from high school I was not very interested in attending
college. We did not have the money, nor did I have a good background. My final
grades in high school were 3 C’s and one B-.   I was...

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    This Blog is for anyone who knows little or nothing about financial matters.                                          Introduction to this Blog: Hi, my name is Bill: I decided to produce this Blog for mainly 2 reasons: 1. I am now in my 80’s and have de...
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