You care about your health. Very much like the annual physical checkup that your doctor recommends, your trusted financial advisor recommends a regular examination of your financial plan. After all, good health, be it physical or financial, is extremely important. Your financial plan must be based on the current standard of living and should...
Read more →
Interest rates have been at record lows for a while. Actually, they are near zero and have nowhere to go but up. For illustrative purposes, a graph of the 30 year fixed mortgage rate shows that we have gone a long way since the 1980s when the rate was upwards of 17.5%. (Source: Yahoo...
Read more →
You do realize that you have to live within your means because spending more than you earn is unsustainable. Yet you don’t seem to be able to get out of debt. It feels like you are trapped in the vicious circle of minimum payments, accumulating more debt, paying off some of your debt but...
Read more →
Have you ever overspent during the Christmas holiday season? You wanted to make everyone happy, see the joy on your children’s faces when they open their gifts, be nice to colleagues and neighbors, and just give during the season of giving. And then you felt anxious, stressed and guilty when you received your credit...
Read more →The spending season has officially begun! Feeling a little squeezed already? Black Friday? Cyber Monday? Did you spend more than you budgeted? Watch the video “FOUND MONEY” below and learn how to save money within your current monthly budget. Couldn’t we all use this? Especially now around the holidays. Enjoy! Learn How To Save Money...
Read more →
In my recent post What You Need to Know About Identity Theft I’ve discussed the types of identity theft, the maximum liability in case of identity theft and various identity theft scams. While it is useful to have that information, most of us think we will never have to deal with identity theft. I certainly hope...
Read more →Since the dawn of time the circle of care for most families usually follows a very predictable pattern: parents take care of children when they are little and then when parents are old, the children take care of them. Little has changed in that arrangement throughout the centuries and most of us are prepared...
Read more →We have all heard the statistics – 50% of marriages in the US end in divorce. It’s a shocking and a very discouraging statistic and one that has not changed much in the past three decades, according to recent data from the National Survey of Family Growth (NSFG). Marriage counselors and divorce attorneys will...
Read more →
Should we save for college or should we save for retirement? Whether your little ones are in diapers or about to head off to college, if you are a parent you have probably asked yourself this question over and over. The hefty price tag of higher education seems to be increasing every year. According...
Read more →It has already been almost four years since the beginning of the Great Depression in 2008 and the economic reports do not seem to get more encouraging. Actually for a while we were feeling hopeful that a recovery is well on its way when towards the end of 2011 and into the first quarter...
Read more →