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| ('abcnews.go.com/2020/Economy/story', 0)                                                                | As the recession grinds on , and we take stock of our country 's lost jobs , foreclosed homes and decimated >>>401 ( k ) s<<< , many Americans are lamenting the loss of something that ca n't be captured in statistics and data points : the American Dream .                                                         |
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| ('abcnews.go.com/Business/JustOneThing/story', 17)                                                      | And that 's exactly what the >>>troubled automaker<<< hopes people will think as it tries to rebuild itself after bankruptcy .                                                                                                                                                                                          |
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| ('abcnews.go.com/Business/PersonalFinance/disputes-wall-street-investors-face-rough-justice/story', 10) | FINRA 's forerunner , the National Association of Securities Dealers ( NASD ) , was set up more than seven decades ago specifically by the broker-dealer industry to >>>police itself<<< , and settle disputes .                                                                                                        |
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| ('abcnews.go.com/Business/PersonalFinance/disputes-wall-street-investors-face-rough-justice/story', 30) | Most commonly , investor cases involve allegations of negligence , misrepresentation or instances of assets being placed by brokers in >>>unsuitable investments<<< -- like when a senior citizen is placed inappropriately in an aggressive , high-risk growth fund that pays the broker a high >>>commission fee<<< . |
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| ('abcnews.go.com/Business/PersonalFinance/index-funds-actively-managed-funds-best/story', 15)           | Last week , Morningstar released a study that shows just 37 percent of actively managed U.S. stock >>>mutual funds<<< beat their respective Morningstar indexes after accounting for risk , size and fund style .                                                                                                       |
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| ('abcnews.go.com/Business/PersonalFinance/madoff-year/story', 1)                                        | That is the arrest of Bernard Madoff , kingpin of the largest >>>Ponzi scheme<<< in U.S. financial history .                                                                                                                                                                                                            |
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| ('abcnews.go.com/Business/PersonalFinance/madoff-year/story', 11)                                       | Some of these suggestions I included in the >>>first column I wrote about Madoff<<< in the days after his arrest ; others are new .                                                                                                                                                                                     |
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| ('abcnews.go.com/Business/PersonalFinance/madoff-year/story', 63)                                       | Quite often , for client convenience , >>>advisers<<< will prepare the voluminous paperwork that can be required to open an investment account or transfer assets .                                                                                                                                                     |
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| ('abcnews.go.com/Business/PersonalFinance/mutual-funds-knowing/story', 0)                               | The question from a California reader is simple enough : How long do you hold on to a stinker of a >>>mutual fund<<< ?                                                                                                                                                                                                  |
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| ('abcnews.go.com/Business/PersonalFinance/roth-ira-tax-benefits/story', 2)                              | That 's why now is the time to give serious consideration to converting at least a portion of your retirement savings into a >>>Roth IRA<<< , one of the best defenses against potential future increases in federal and state income taxes .                                                                           |
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| ('abcnews.go.com/Business/PersonalFinance/smart-mutual-funds-courts/story', 1)                          | That 's my advice for mutual fund investors looking to cut their investment costs after the Supreme Court on Monday heard arguments in a case about whether investors can sue mutual fund firms if they think the >>>fees they charge<<< are too high .                                                                 |
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| ('abcnews.go.com/Business/Retirement/collect-social-security/story', 0)                                 | Forget about your >>>investments<<< for a moment .                                                                                                                                                                                                                                                                      |
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| ('abcnews.go.com/Business/Retirement/collect-social-security/story', 1)                                 | Yes , I know , your >>>portfolio<<< has lost more than 30 percent in a year , but chances are there 's another critical financial issue that you 've spent a whole lot less time thinking about .                                                                                                                       |
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| ('abcnews.go.com/Business/Retirement/collect-social-security/story', 2)                                 | That is when and how you will collect Social Security >>>retirement<<< benefits .                                                                                                                                                                                                                                       |
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| ('abcnews.go.com/Business/Retirement/collect-social-security/story', 7)                                 | The simple fact is most Americans start collecting Social Security >>>retirement benefits<<< at far too young an age .                                                                                                                                                                                                  |
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| ('abcnews.go.com/Business/Tax/april-15-irs-tax-day-nears/story', 2)                                     | Though April 15 is the official deadline to file income taxes , unless the >>>IRS<<< grants an extension , Americans have begun the yearly ritual of sitting at their kitchen tables calculating taxable incomes and yearly deductions .                                                                                |
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| ('abcnews.go.com/Business/Tax/april-15-irs-tax-day-nears/story', 17)                                    | File for a >>>tax extension<<< but get ready to pay .                                                                                                                                                                                                                                                                   |
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| ('abcnews.go.com/Business/Vote2008/story', 5)                                                           | >>>Details are still being worked out by the administration<<< and congressional leaders of both parties .                                                                                                                                                                                                              |
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| ('abcnews.go.com/Business/Vote2008/story', 56)                                                          | Second , to stop Americans from panicking and >>>pulling their money out<<< of money market accounts , the Treasury announced this morning that it will back the value of all such funds so that investors ca n't take a loss .                                                                                         |
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| ('abcnews.go.com/Business/car-wreck-reimbursed-lost/story', 27)                                         | ( I know , $ 15,000 would be easier math , but I 'm trying to think like a >>>used car dealer<<< ! )                                                                                                                                                                                                                    |
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| ('abcnews.go.com/Business/extra-cash-check-us-savings-bonds/story', 1)                                  | One way to raise some is to dig out any >>>old U.S. savings bonds<<< you received as a child and forgot about .                                                                                                                                                                                                         |
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| ('abcnews.go.com/Business/golf-car-sales-spike-08-bailout/Story', 7)                                    | In April , the >>>Internal Revenue Service<<< confirmed that " neighborhood electric vehicles " or NEVs -- a common term for electric-powered golf cars and other low-speed vehicles allowed on public roadways -- bought in 2009 qualified for the tax credit .                                                        |
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| ('abcnews.go.com/Business/investor-advice-stock-market-rebound-sell-buy/story', 5)                      | I 'm more worried about >>>future stock prices<<< now than when the Dow Jones industrial average scraped bottom at 6,440 on March 9 .                                                                                                                                                                                   |
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| ('abcnews.go.com/Business/investor-advice-stock-market-rebound-sell-buy/story', 8)                      | It is important to note that it is impossible to predict the >>>short-term direction of stock prices<<< .                                                                                                                                                                                                               |
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| ('abcnews.go.com/Business/married-couples-student-loan-debt/story', 11)                                 | On July 1 , a change to the >>>Income Based Repayment program<<< equalized the treatment of single and married borrowers .                                                                                                                                                                                              |
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| ('abcnews.go.com/Business/married-couples-student-loan-debt/story', 36)                                 | R.V. , one last point to make about your situation : In addition to qualifying for Income Based Repayment , you as a teacher may also qualify for the >>>Public Service Loan Forgiveness<<< program .                                                                                                                   |
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| ('abcnews.go.com/Business/save-big-homes-cars-loans-groceries-health-care/story', 22)                   | Houses and >>>cars<<< , sure .                                                                                                                                                                                                                                                                                          |
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| ('abcnews.go.com/Business/schools-hire-collections-agency-recoup-parents-lunch-debt/story', 0)          | A low-income county school district in Georgia that is faced with shrinking resources has hired a >>>collection agency<<< to get parents to pay their children 's school lunch debt .                                                                                                                                   |
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| ('abcnews.go.com/Business/sneaky-credit-repair-pitches-lure-consumers/story', 1)                        | The Federal Trade Commission has once again cracked down on companies claiming to offer >>>" credit repair "<<< services .                                                                                                                                                                                              |
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| ('abcnews.go.com/Business/stick-stocks/story', 2)                                                       | The evidence of this trend can be seen in the money that has poured into bond mutual funds this year compared to a trickle into >>>stock funds<<< .                                                                                                                                                                     |
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| ('abcnews.go.com/Business/tax-lien-sales-plague-homeowners/story', 1)                                   | Called the " other " foreclosure crisis , property tax lien sales are enabled by state and local laws that allow the sale of a property through a tax lien foreclosure process if the owner falls behind in property taxes or other bills , like a water bill or >>>even a dental bill<<< .                             |
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| ('abcnews.go.com/Business/winner-mega-millions-jackpot-bad-economy-good-lotto/story', 5)                | In the meantime , one thing 's for certain : A bad economy is >>>good for the lottery business<<< .                                                                                                                                                                                                                     |
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| ('abcnews.go.com/GMA/ConsumerNews/hire-home-improvement-contractor-read/story', 1)                      | The majority of states require >>>home improvement contractors to be properly licensed<<< , but there are still plenty of rogue companies operating .                                                                                                                                                                   |
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| ('abcnews.go.com/GMA/JustOneThing/cleaning-clunkers-cash/story', 6)                                     | But before putting her time-ravaged >>>clunker<<< up for sale , though , Rathmann did what more and more Americans are doing : giving the car a quick makeover that could mean a much higher value for potential buyers .                                                                                               |
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| ('abcnews.go.com/GMA/Tax/free-online-tax-resources/story', 1)                                           | >>>Free online filing tools<<< are provided for those who qualify by H&R Block , TaxAct , and TurboTax .                                                                                                                                                                                                                |
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| ('abcnews.go.com/GMA/Weekend/online-sweepstakes-worth-effort/story', 10)                                | I wanted to keep my working e-mail account free of junk , but I also wanted to determine how much >>>spam<<< the contests generated .                                                                                                                                                                                   |
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| ('abcnews.go.com/GMA/adam-wheeler-accused-faking-harvard-university-scholarships/story', 0)             | The fresh-faced 23-year-old accused of faking his way into >>>Harvard University<<< and thousands of dollars in scholarships and financial aid entered a plea of not guilty in court today .                                                                                                                            |
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| ('abcnews.go.com/GMA/woman-boycotts-bank-america-wins/story', 0)                                        | A California woman is being praised online as a modern-day folk hero after she led a successful one-woman boycott against one of the nation 's biggest banks over what she called an >>>unfair interest rate hike<<< .                                                                                                  |
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| ('abcnews.go.com/Politics/Decade/end-decade-political-partisanship-marks-legacy-2000s/story', 0)        | It survived two wars , >>>a financial crisis<<< , and the worst natural disaster in U.S. history .                                                                                                                                                                                                                      |
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| ('abcnews.go.com/Politics/end-population-growth-era-florida/story', 15)                                 | The state 's twin economic engines — >>>tourism<<< and construction — are sputtering .                                                                                                                                                                                                                                  |
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| ('abcnews.go.com/Politics/health-insurance-denials-delays-target-lawmakers/story', 21)                  | Similar scenarios have been the target of state insurance regulators around the country in recent years , resulting in >>>a number of cases against insurers for wrongfully delaying or denying claims<<< .                                                                                                             |
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| ('abcnews.go.com/Technology/Economy/story', 7)                                                          | For some , genius struck after they >>>lost a job<<< .                                                                                                                                                                                                                                                                  |
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| ('abcnews.go.com/Travel/jetblue-unlimited-flights-travel-sale-brings-crazy-stunts/Story', 8)            | They are part of a group of people who are taking advantage of >>>JetBlue 's " All-You-Can-Jet " pass<<< which gives them a month of unlimited travel for $ 599 .                                                                                                                                                       |
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| ('abcnews.go.com/Travel/secrets-thanksgiving-christmas-airfare-travel-cheap/story', 1)                  | He is clueless because he makes every mistake in the book when >>>planning a flight<<< -- and drives up the cost of his trip up by more than 350 percent .                                                                                                                                                              |
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| ('abcnews.go.com/WN/record-number-americans-dip-401k-retirement-accounts-loans/story', 1)               | Over a year ago Mathis , a veteran AAA employee , tapped into his >>>retirement account<<< for a work related loan .                                                                                                                                                                                                    |
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| ('abcnews.go.com/WN/record-number-americans-dip-401k-retirement-accounts-loans/story', 9)               | Not only are more Americans taking out loans against their retirement accounts , they 're also increasingly making >>>hardship withdrawals<<< .                                                                                                                                                                         |
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