In just the past decade or so many investors have been burned. Twice. Those who did a lot of investing in the late 1990s and early 2000s clearly remember the pain as their tech-heavy portfolios tanked in record time. It then took a few years to stabilize, and then a few more years to recover. [...]
As a CRPC and having spent time in the retirement planning industry I have seen a lot of trends emerge. Most notable is the huge disparity between what people have actually saved for retirement versus what they need to have saved. This is nothing new, and if you turn to any financial news outlet you’ll [...]
These Money Problems Can Prevent You From Building Wealth Building wealth is a part of the American Dream. We’re told that through hard work and seizing opportunities we can lead successful, healthy, and wealthy lives. But building wealth isn’t important just for the sake of having money. In fact, it’s almost a requirement these days [...]
Learn How to Improve Your Credit Score With a Few Simple Tips Do you need to improve your credit history? If you’re like the majority of Americans, the answer is yes. According to FICO, 60% of all people have a credit score less than 750. This means there is plenty of room for improvement for [...]
Does the Cash Value of Whole Life Make it Better than Term? On the surface, this would make sense. A whole life policy does in fact build up cash value over time, whereas a term policy is “use it or lose it”, meaning if you don’t die before the term is up, you get nothing [...]
Have you ever wanted someone else to take over some of your more complicated responsibilities? Long gone are the days when you would have a butler to take care of everyday needs. Nowadays, if you have certain credit cards, you can simply call your credit card company and have them do quite a variety of [...]
Save Money and the Environment I live in a small town with a handful of clothing stores. That’s why I was thrilled when a local business owner announced she was hosting a clothing swap at her hip store Willow. I gathered up a bag full of unwanted items from my closet, entered the date and [...]
Buying or selling stock couldn’t be easier with today’s technology. Investors can go online or call an automated trading platform to instantly place a trade. But just because it’s easy, it doesn’t mean you can’t make a mistake. There are a number of different order types that can be used to help you protect losses and maximize [...]
Want to listen to music while working out or cleaning house but don’t want to pay an arm and a leg for it? Why don’t you try these five sites on for size? Not only will you have unlimited access to all your favorite tunes, it also won’t cost you a cent! Now, that’s what [...]
Wouldn’t it be nice if there was a secret to saving money? Actually, there is. Unfortunately, most experts cloud it with phrases such as “spend less than you earn” or “pay yourself first.” Granted, these are common tips that can be used to help you save money, but if that’s all there was to it, [...]
With gas prices on the rise once again, it’s hard to predict how much the added expense will affect the average family. Experts seem to think that consumer confidence is up despite the fluctuation which leaves me feeling a bit skeptical. If the average person is ready to accept $4 a gallon gas, what happens when the [...]
Buying or selling stock couldn’t be easier with today’s technology. Investors can go online or call an automated trading platform to instantly place a trade. But just because it’s easy, it doesn’t mean you can’t make a mistake. There are a number of different order types that can be used to help you protect losses and maximize [...]
This is one of the most frequently asked questions I’ve been receiving lately both at work and via email. Companies across the country are trying to find ways to cut costs during this recession and a prime target is the matching program on a 401(k) or 403(b). This is bad news for employees, but the [...]
Max Out Your 2011 IRA in 2012 The calendar may have flipped to the new year, which means most tax tricks, tips, and deductions have closed the book on last year’s taxes, but that isn’t the case for your IRAs. Individual Retirement Accounts are unique in that they give you up until when you file [...]
You won’t believe what I’ve been hearing at work lately. Fellow employees are taking out loans against their 401k accounts and borrowing money! I don’t know if there are people out there giving advice to do this, but it’s probably one of the worst ideas I’ve ever heard of. In fact, I would peg it [...]
Save Money and the Environment I live in a small town with a handful of clothing stores. That’s why I was thrilled when a local business owner announced she was hosting a clothing swap at her hip store Willow. I gathered up a bag full of unwanted items from my closet, entered the date and [...]
Baking soda is by far one of the most inexpensive and versatile things you can have in your home. Known for its cleaning and deodorizing properties, it can be used in the kitchen, the bathroom, the laundry room, and even your bedroom. Here is the skinny as to why baking soda is something you should [...]
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