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Your retirement should be seen as a reward for all the years you spend at work but don't sit back and expect it to be a breeze because it won't be if you haven't managed your pension throughout your working life.
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If you're like most people, your carport or garage might have ended up as a catchall space for everything you don't know what to do with, from your holiday decorations to your kids' sports equipment.
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Financial planning means putting your incomes and expenses on a scale to achieve monetary equilibrium or upward mobility on your income levels.
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