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Hill & Hillard Realtors, 30 Park Ave., Worcester, Edward Hillard & Terry Hill

NYT > Your Money

Your Money: Keeping ?Furniture Ransom? Off Your Moving Bill
While the moving industry has long been a favorite of con artists because of lax regulation, consumers? growing reliance on the Internet has made it even easier for the shady operators.

Shortcuts: If Your Appliances Are Avocado, They Probably Aren?t Green
Getting rid of household appliances older than 15 years will probably save you money and reduce greenhouse gas emissions.

Fundamentally: How to Tell if a Rally Is Real
In fits and starts, blue-chip stocks have been climbing higher since mid-March. But many market watchers aren?t convinced that the worst of this market storm is behind us

Your Money: Mortgage-Free, but Not Free From the Temptation to Borrow
For those people who own their homes mortgage-free, the question is what to do with a houseful of equity.

Cost Of Living: Listen to Your Statement
Even if the standard personal finance guidance is to monitor one?s spending over a longer period of time, reviewing a monthly bank statement can be just as valuable.

Recession Diet Just One Way to Tighten Belt
Americans are finding creative ways to cut costs on routine items, forcing retailers to decode the tastes of a suddenly thrifty public.

A Stalwart of Retirement Planning: The I.R.A.
Financial experts say that one often-overlooked resource for retirement savings is the humble Individual Retirement Account.

Fundamentally: A Market That Dashes Assumptions
A growing school of thought says that stock markets are acting rationally.

Your Money: For Many, Thrift Shops Are a Wardrobe Essential
As the prices of gasoline and groceries edge higher and debt weighs more heavily, saving money on clothes, shoes and household goods has become increasingly essential for many people.

Shortcuts: Pick a Planner Who Can Spell ?Fiduciary?
In looking for a financial adviser, one thing to ask is if they have fiduciary duty, which means they will have to put your interests ahead of theirs at all times when providing investment advice.

Strategies: The Odds for a Retirement Nest Egg, Recalculated
Though it may go against conventional wisdom, you can simply pick an allocation of stocks and bonds that you can live with for a long while and stick with it.

Working Life (High and Low)
Jean Capobianco?s employer embraced a controversial strategy, insisting that she and other staff were independent contractors, not employees.

Your Money: Paying for College Without the Home Equity Option
The turmoil in real estate has meant that home equity ? often a fallback for college funds ? is difficult to tap, forcing many parents to reconsider high-priced colleges.

Cost Of Living: Cheaper, Yes, but Only on the Price
The experience of buying life insurance through an online agency can leave one to wonder whether it is worth the savings.

Fundamentally: A Storm May Lift the Heat
While few people relish 200-point single-day stock market declines like Friday?s, rocky periods serve some useful purposes for long-term investors.

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