There are many reasons to switch to specialized foods: dietary choice, latest trends, food allergy, environmentally conscience, are just a few. Whatever the reason, becoming food conscience costs.
Two years ago, at the conclusion of my discussion with a client over his finances, I posed this question, “What are some of your long-term financial goals?” His response was one I had heard frequently, “I would very much like to have a comfortable retirement in 20 years.” Continue reading
Because I have a family of four children, I am constantly looking for ways to have outings that do not cost much money. I have learned over the years that taking the family out, doesn’t have to cost a whole lot, but can often times be educational and fun for the whole family. Continue reading
I want to save more money. I want to pay my new car off this year. I want to save to put a down payment on a house in two years. It is a new year which brings about the tradition of making the list of things you want to accomplish this year. Unfortunately, by the time you read this, about 1/3 of you will already have given up on your New Year’s resolutions. Continue reading
Are you nervous about being properly prepared for retirement? No doubt you have heard the concerns over whether Social Security will remain solvent. Unless lawmakers act, the Social Security fund will only be able to pay seventy-five cents on the dollar by the year 2033. Although Social Security will likely exist in some form when you are ready to retire, living strictly off of Social Security checks will be extremely challenging. Continue reading
You are watching your favorite show on T.V. and see a commercial that peaks your interest. “Do you have credit problems?” You think, “Why yes, I do!” The commercial continues, “No problem! We can erase your bad credit history forever and you can start all over!” How convenient does that sound! Of course there is a small fee associated with this magic credit eraser. You think to yourself the fee is worth having good credit again.
I am here to break the sad truth; this is a very popular credit repair scam. No one has the power to just create new credit identities. If you have poor credit history, then only time and your effort are the only things to rebuild your credit. Continue reading
Long term financial goals take time, resources, and careful planning in order to transform them from dreams into successes. Many of us share goals to save for college, buy a house, start a business, and enjoy our hard earned retirement. Here’s our guide to getting you on the right track with planning theses major financial goals. Continue reading