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Keya Casey
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How to clear all your debts in 2018

Millions of Brits overspend at Christmas, leaving them in financial difficulty come the New Year.

In fact, a whopping 7.9 million people in the UK will struggle to pay their bills this month after an excessive festive period, according to the debt charity Money Advice Trust (MAT).

Severe debt isn’t just a financial problem either. The stress of owing money can lead to mental health issues and relationship breakdowns, according to charity Mind.

If your new year’s resolution is to be better with money in 2018, Money Saving Expert Martin Lewis can help you alleviate your debt.

The 45-year-old has already revealed the best bank accounts for interest rates on savings, but in his most recent Money Tips newsletter he revealed some key tips for cutting the cost of debt this year.

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How to clear all your debts in 2018
How to clear all your debts in 2018
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3 obstacles that stand in the way of retirement savings

One in three American adults has nothing saved for retirement — here's how to change that.

Would you rather have one marshmallow now — or two marshmallows later? It's an iconic scenario made famous by psychologist Walter Mischel, the administrator of the 1960s "marshmallow test" measuring self-control and instant gratification. Most people go for the here and now. Swap out marshmallows with money, and you've got an all-too-common problem for the modern-day: People everywhere feel behind on saving for retirement. In fact, one in three American adults has nothing at all socked away, according to a survey by GOBankingRates. If that hits close to home, never fear. We've laid out some of the biggest obstacles we put in our own way when it comes to retirement saving — plus, how to get past them.

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8 top tips to tackle your finances in 2018

Many of us enter January financially stretched. Lots of people overspend at Christmas and those paid monthly have to wait five weeks to be paid.

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8 top tips to tackle your finances in 2018
8 top tips to tackle your finances in 2018
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7 Investing Moves You Need to Make by December 31

Whenever things are going really well — as is the case right now on Wall Street and probably in your retirement portfolio — it's only natural to want to leave things be. Why try to fix what's not broken? But even the most patient buy-and-hold investors understand that you must revisit your strategy from time to time to make sure things are unfolding as you originally envisioned. The end of the year, when your thoughts are naturally focused on family, the coming year, and to-do lists, is a perfect time to do just that. To make this process easier, MONEY has put together a checklist of seven important steps to take now before the year ends to set your investment portfolio up for 2018 and beyond.

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3 costs that can destroy retirement

Retirement security is a holy grail that many investors chase. A recent AARP survey revealed that 74 percent of private sector workers are anxious about having enough money to live comfortably in retirement.

Although increasing savings may seem like the answer, creating a sustainable retirement strategy is a bit more complex. Investors must also plan for costs that can detract from their portfolio's growth. "Taxes, long-term care and inflation all have the potential to eat away at your retirement savings," says Marcy Keckler, vice president of financial advice strategy at Ameriprise Financial in the greater Minneapolis-St. Paul area. "Not planning properly could result in a substantial blow to your portfolio from a sudden need for extended care, or inflation could slowly chip away at your nest egg."

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Why You Should Always Keep Investing Simple

A friend recently asked if I would invest $10,000 for him. I shrugged it off but he proceeded to tell me that he needed to make a quick buck to pay for some medical expenses he was about to incur...

Many people view the stock market as a "get rich quick scheme" -- you just need to know how to play the game.

This wasn't the first time I've been asked by someone to invest their money to make some fast cash. I know it won't be the last, either.

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Top 6 Things No One Tells You about Retiring

To make your retirement years truly golden, understand what may be coming your way.

Many of us look forward to retirement as the reward for a lifetime of hard work. While the post-work years can truly be golden for those who plan for them, many retirees are caught off guard by the facts of their new life.

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3 Ways to Have a Happy Retirement, According to People Who've Already Retired

“Happiness,” it’s been said, “is like a butterfly. The more you chase it, the more it will evade you.” In other words, by actively pursuing a happy state, you reduce your chances of achieving it.

That may be true from a philosophical standpoint, but when it comes to retirement planning, new research suggests there may in fact be specific steps you can take to enjoy a more rewarding post-career life.

Researchers from The American College, Eastern New Mexico University, and Texas Tech looked at financial, lifestyle and other data on 1,526 retirees to see what makes for a more satisfying retirement.

When it comes to having a more enjoyable retirement, the experiences of older Americans shows that there are three main ways you may be able to tilt the odds in your favor.

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Brokerage of Irwin Consulting Solutions in Singapore and Tokyo, Japan

“Working with Clients to Maximize”

We Work for our Partner’s Benefit

1. Irwin Consulting provides an assorted and coordinated portfolio of creative, client-centered brokerage products and services by building upon Global's powerful regional presence, as well as its market-pioneering and value-enhanced research expertise. Irwin Consulting can deliver to its clients the proper tools and know-how they need to reach their financial goals.

2. Irwin Consulting encompasses the primary asset markets spanning many countries worldwide. Irwin Consulting delivers a wide-ranging service package, with an unrelenting commitment to provide first-class client service. We aim to assist clients attain their financial goals through our award-winning investigation and disciplined professional advices on listed and non-listed securities.

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Irwin Consulting Management in Singapore and Tokyo, Japan’s Management

“Expert Advice on Complex Securities Issues”

Asset Management & Planning

The asset management know-how of Irwin Consulting has been developed over many years. Our financial methods combine convention and creativity. Refined strategies with a long-term perspective and a traditional slant focus on stability and order. Most of all, we aim to satisfy the needs of our clients.

Our approach is definitely unlike most asset management companies, who seem to use rather sluggish “portfolio theory” asset diversification methods mixed with fairly dynamic stock-picking strategies founded on “bottom-up” elementary investigation and/or technical study.

Our clients, we believe, deserve a better deal by providing them with an overall, holistic method intended to keep them completely invested in a semi-passive, finely-assorted portfolio of ETFs, taking protective steps to safeguard asset only during comparatively rare times of major downside fluctuations (bear markets).

Irwin Consulting issue stock-picking in lieu of having finely-assorted baskets of stocks, such as low-cost index funds and exchange traded funds (ETFs). Not only does much of the research show that personal security choice plays a much smaller part in influencing long-term gains than asset class, style, and sector selection do over less time, having too much exposure in one particular firm that explodes can cause great harm to the whole portfolio.

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