Investing & Retiring

Many people are reconsidering their budget to prevent holiday overspending over the next few months. If you are one of these people, good for you – but why stop there? This is a great time to look further ahead and tackle your 2018 budget. Lay out your calendar, spreadsheet, or whatever method you use and
0 Comments
Airline fees are pervasive these days. Baggage fees are particularly obnoxious, because passengers are increasingly forced to check in bags thanks to the shrinking amount of carry-on space. We do not know where the space is going, but we are pretty sure it is not for extra legroom. Some airlines even charge for carry-on bags!
0 Comments
How can you retire with $1 million in assets? It’s easy… if you start with $3 million! All kidding aside, the best answer is to make a plan that achieves the savings necessary to get to $1 million. We can help you formulate that plan using the following seven tips. 1. Make Saving and Budgeting
0 Comments
Billionaires and the impoverished have one thing in common – momentum. Once you achieve high levels of wealth or debt, it’s very easy for either one to continue to grow. A recent report by the Institute for Policy Studies highlights this point. The study found that three billionaires – Jeff Bezos, Warren Buffett, and Bill
0 Comments
For many people, the end of the year represents a hectic time, and the last thing anyone wants to do is add to an already full plate. However, building the following financial moves into your fourth- quarter routine can really pay off over the long run and give you greater peace of mind for the
0 Comments
Do you like the idea of good deals but not the idea of standing outside the mall in a three-point stance waiting for the doors to open for pre-dawn Black Friday savings? Then Cyber Monday which will be held on November 27th, 2017 — the Monday following the Thanksgiving holiday — is for you. Cyber
0 Comments
If you dabble in online investing, you have certainly been deluged by emailed offers of investing advice and “hot stock tips”. Undoubtedly, some good stock tips are out there, as well as a whole host of questionable ones and some that are outright guesswork. How can you tell the difference? After all, even the best
0 Comments
Municipal bonds have long been a popular fixed-income investment option. They are issued by state and local governments and their agencies to raise money for public projects like schools, hospitals, roads and bridges. The issuer agrees to make interest payments to bondholders at a fixed rate and repay the principal amount in full on a
0 Comments
Should I stay or should I go? With apologies to The Clash, that’s the question many homeowners are asking themselves. Does it make more sense to renovate your current home, or should you look for a home that is a better fit for your current needs? Data from the National Association of Realtors (NAR) suggests
0 Comments
For some holiday shoppers, bargain hunting is a competition and Black Friday is the Super Bowl. All the preparation throughout the year goes into a few frenzied hours that determine winners and losers. Did you get that 50″ TV you were aiming for, or did you camp out all night only to be caught in
0 Comments
Are you entering the holiday season short of cash? You may want to consider a seasonal job. Once Halloween passes and cold weather sets in throughout the country, demand increases for temporary workers to fill in during the holiday shopping season. Online – Check online employment sites for local opportunities – if you are looking
0 Comments
What brightens up your holiday shopping season? You may prefer a quiet Christmas season at home, large family gatherings at the home of the relative who drew the short straw, or hand-to-hand combat on Black Friday at the mall. However, everyone agrees that saving money on Christmas shopping gives the holiday an extra layer of
0 Comments
Stocks Outpace Housing Few can argue that the stock market has experienced great growth under President Trump. The “Trump Bump” consists of an approximate 20% increase in both the Dow Jones and S&P 500 during the President’s first year in office. Does the same Trump Bump translate to the housing market? A recent study by
0 Comments
Every October, the Social Security Administration (SSA) announces adjustments that are made to the Social Security program for the upcoming year. What effect will these changes for 2018 have on you? More Money for Beneficiaries – Social Security beneficiaries receive cost-of-living adjustments (COLAs) based on one of the standard measures of inflation – the Consumer
0 Comments
Successful retirement planning requires a good understanding of what you want to do in retirement and a reasonable estimate of your expected expenses. Once you have a grasp of your likely retirement costs, you know approximately how much money you will need to salt away. However, one retirement expense is notoriously difficult to predict –
0 Comments
What’s the best time of the year to rent a home? That depends on what factors are important to you, and how much time you have to act. People don’t always have the luxury of taking their time in renting a house or apartment. They often have to assess a market in a fairly short
0 Comments
As the old saying goes, do the rich really get richer while the poor get poorer? Recent data from the Federal Reserve shows that at least half of that statement is true for U.S. households. The latest Survey of Consumer Finances (SCF) conducted by the Federal Reserve shows another significant increase in the already historically
0 Comments
It’s that time of year when the leaves change colors, pumpkin flavoring is crammed into everything imaginable (who needs Eye Drops with Pumpkin Spice?), and scary things come out on Halloween – but will you open your door on October 31 and be confronted by anything scarier than these hair-raising financial horror stories? They Stole
0 Comments
Did you ever marvel at something from a distance, only to find fundamental flaws upon closer inspection? Today’s housing market could fit that description. On the macro scale, the market appears to be in a good place. Demand is relatively high, as millennials who were shut out of the market by economic conditions are achieving
0 Comments
Do daily finances give you daily heartburn? You aren’t alone. According to a new survey by the Consumer Financial Protection Bureau (CFPB), 43% of Americans have trouble making ends meet. One-third of survey respondents reached the level of financial or material hardship during the past year, such as running out of food or being unable
0 Comments
Beware of KRACK KRACK Attack? Is that the name of a new video game, dance craze, or rock band? Unfortunately, it’s none of those things – it’s the acronym for a new path identity thieves have to steal your personal information. KRACK stands for Key Reinstallation AttaCK. It’s a recently discovered systemic vulnerability in wireless
0 Comments
Automatic payments from your bank account can be a great convenience, but they can also be a source of problems if you don’t pay attention. Do you check your payments on every bank statement? If not, you may be paying incorrect amounts or making automatic payments for a service or subscription that you don’t want
0 Comments
A Burden for You, An Opportunity for Scammers Educational debt has reached levels that are hard for the average American to fathom. By some estimates, outstanding student loans have reached a whopping $1.45 trillion dollars. Over 44 million Americans have some form of student loan debt, with 2016 graduates averaging over $37,000 in debt. That’s
0 Comments
To some of us, Halloween is an enjoyable time to dress up our children and/or ourselves, carve scary pumpkins, decorate our home with spooky effects, gorge on treats, and spend the next morning jogging off a candy binge. To others, it is a time to figure out how much candy they need to have on
0 Comments