Topic: Adversity

It’s All About Attitude

Many very successful people today were “knocked down” time and time again. They may have lost their business to fire …

It All Starts with our Attitude on Life in General

We all know that some days in our life will be great and others will be very difficult to get …

Life is What You Make of It. How are you Making Yours?

How I am doing it: After building a business from scratch as a single parent with no other source of …

What You Can Do to Rejuvenate Your Life and Make It More Fulfilling, More Satisfying, and Less Stressful

So many of us live the life that falls into place for us rather than taking control of our future …

Taking Control Of Your Future

I am a firm believer that adversity can either make you stronger or break you. And, we get to choose …

Adversity Can Lead to Greater Success

Will you allow your circumstances to break you or make you stronger? I am a firm believer that adversity can …

Handling Adversity

Why is it that two people can be subjected to the same adversity, but each will view it differently? One …

Tips to Help Reduce Expenses

Plan and limit your trips to the grocery store. The more often you go, the more you are apt to …

Tips to Prepare for Unexpected Unemployment

1. Be sure to always maintain a cash reserve that will cover your required expenses for at least 3 months …

Sometimes Lessons in Life Come the Hard Way

But if We Truly Pay Attention, Learn and Make the Changes That are Necessary, Adversity Can Help Put Us “In …

Dealing with Adversity

A few quotes of mine to keep in mind when in the middle of adversity. Sometimes lessons in life come …

How to Be More Optimistic

I am a firm believer that adversity can either make you stronger or break you. And, we get to choose …

It’s All About Attitude

Many very successful people today were “knocked down” time and time again. They may have lost their business to fire …

How To Turn Things Around (Part 2)

Many people feel out of control of their life and the direction it is going. There can be so many …

How To Turn Things Around (Part 1)

Many people feel out of control of their life and the direction it is going. There can be so many …

Words of Advice for a happier life

Below are a few of my quotes that have helped me have a happier life.  I hope these help you …

Topic: Home and Family

A Perfect and Inexpensive Gift That is Especially Good for Someone That Seems to Have Everything

I bought some fancy paper and cut it into 4” x 1” strips. I sent 6 strips in an envelope …

Topic: Money Management and Insurance

Money mistakes to avoid

When nearing or in retirement you may be tempted to take a portion of your savings and pay off a …

How should younger people think about retirement taxes while saving for retirement?

When saving for retirement during our working years, we often want the greatest tax advantages available to us because we …

Low Cost or Free Family Entertainment, Especially Helpful During a Difficult Economy

With the difficult economy many face today, below are suggestions for inexpensive family activities. Volunteer as a family for a charity …

Tips to Help Reduce Expenses To Have More Money To Allocate To the Things That Are Most Important To You

Plan and limit your trips to the grocery store. The more often you go, the more you are apt to …

The Pro and Cons of Getting Long-Term-Care Insurance

#1 My first concern for you is not your potential need for long-term care. My first concern is being sure …

Identity Theft – Review your Credit Card Statement Carefully

Working long hours I only had time to briefly scan my credit card statements each month. Until one month I …

Advice for People Who are Thinking about Continued Care Facilities but Don’t Have a Definite Financial in Place?

I suggest you research and tour the facilities in your area starting at about age 65, or sooner if you …

Four Key Risks You Will Need to Address for a Comfortable Retirement Income

Health care expenses: With people living longer, medical cost rising and many employers not providing retiree medical coverage, the cost …

Tactics to teach grandkids about money

Are there things that grandparents can specifically teach kids about money?  –  Often we try to shelter children from the effects …

Social Security: Now or Later?

Once you have the facts, the decision isn’t that difficult. First you need to know if you plan on working …

Financial Planning for Young Men and Women

Often young, entry-level men and women have difficulty in managing their new job, personal life and new financial position. They …

5 Things to Keep in Mind During a Volatile Market

No matter what the current market brings, there are always opportunities in the financial markets. The key is to understand …

How To Pick An Appropriate Money Manager

Money managers, like many professionals, may specialize in different areas. They may specialize in retirement assets for current income, focus …

How Consumers Can Take Advantage of Low Interest Rates

Lower Credit Card Debt First contact your current credit card company. Explain that you are contacting different companies to lower …

The Most Important Steps in Successful Money Management

Keep This in Mind Especially During Holiday Shopping The first most important step in successful money management is to have …

I’m 54 Years Old and I Have Nothing Saved for Retirement?

Is it Too Late? Can I Live on Social Security? First it is important to determine how much income you …

Ways of Saving Money That People Often Overlook

You may be double paying if you have towing included in your car insurance and also belong to an auto …

Financial Age Based Events To Be Aware Of

Evaluate all “milestone dates” to maximize the use of all financial opportunities that are appropriate for you. Below are a …

Emotional Investment Decisions in Volatile Markets Can Be a Mistake

I have found that many people buy their investments differently than they buy everything else. Which is often the wrong …

Investment Options To Consider When You Do Not Want Your Money In The Stock Market

Important Note: The items noted below are typical of each investment but can vary. It is important that you investigate …

Market Concerns During A Volatile Period

With all that is going on in the market today, my next few posts will focus on ways to help …

Ways to Slash Spending on Daily Family Expenses

De-clutter your home and have a tag sale. Or donate the items to charity and get a receipt to claim …

What to Look For When Searching For a Financial Advisor as You Approach Retirement

Financial Advisors, like many professions have the ability to specialize in many areas. Just because they are financial advisors doesn’t …

Simple Steps to Reduce Debt

Consider the following options to help reduce debt. Lower the rate you are charged:  With interest rates so low you …

A Tip To Help Pay For College Costs

Use your credit card points to help with college expenses:  Regardless of where the money was coming from to pay …

Fourteen Money Saving Tips

Tax break – Many towns give tax relief to older homeowners, based on income.  Contact your town real estate tax …

Should we make our kids pay for college?

When sending my daughter to college, I felt it important that not only did college not mean parties and alcohol, …

How Much Income Can You Expect From Your Portfolio and Have The Income Stream Last The Rest Of Your Life?

A general rule of thumb for how much you can expect your investment portfolio to provide is approx. 3-4% per …

What does negative correlation mean and how can it help my investment returns?

A negatively correlated portfolio can help to provide better diversification while reducing overall risk. And although total negative correlation may …

Strategies for those starting their retirement savings after age 50

It’s never too late to do the best you can with what you have to work with. The first place …

Some of the most common things people keep doing wrong with their money and suggestions on how to correct it

Some of the most common things people keep doing wrong with their money are: Spending beyond their means Overcharging on …

What is an investment policy statement and why do you need one?

An investment policy statement gives you the guideline you need to stay focused on your investment strategy. Having your IPS …

How to Prepare for a Stock Market Decline

There are several things you can do to better assure your portfolio is allocated appropriately in the event the stock …

How can you stop yourself from going into to your nest egg constantly?

The answer is your mindset.  How you think about money greatly affects your potential for long-term financial success.  When working …

Should I roll my credit card debt into my home loan?

It is normally not a good idea to roll credit card debt into your mortgage for several reasons. Lets look …

How to Handle it When your Adult Kids Ask For Money Too Often

I have always felt that one of my most important jobs as a parent is to help my children be …

Low Cost or Free Family Entertainment

With the difficult economy many face today, below are suggestions for inexpensive family activities. Volunteer as a family for a charity …

Tips for the Month of October to Save Money for the Holidays

Halloween: When you use your imagination there are so many costumes you can easily put together for just a few …

Why Creating Jobs at Home for Kids to Earn Money is Better Than the Old-Fashioned Allowance

Creating jobs at home for kids to earn money Can teach them life skills they will need for the rest …

Creative Ways to Pay for College

I wanted to assure my daughter would have good credit when she graduated and therefore be better able to live …

Supporting Adult Children Financially

I have always felt that my job as a parent is to teach my children how to not need me …

How to better Protect Yourself Financially

Consider filing taxes as married – separately.  This may cost you more but may protect you in the event he …

If You Have Concerns About Running Out of Money, Changing your Spending Habits Can Help. Review These Tips.

Consider the following where appropriate: Use the library to borrow books and movies Free bread available from your senior center Shop less …

Topic: Divorce

Financial Mistakes to Avoid During a Divorce

1. It may appear that assets are split equally only to later find out that it is not equal at …

A Tip on How to Deal with Divorce

This can be a real opportunity to take control of your life and make it be what you want it …

Where Should you Hold Firm and Hold Out For What you Want?

I suggest holding onto the things that have real long-term emotional connection and meaning to you, such as things handed …

Getting the Emotion Out and Doing What’s Right During Divorce

“Where to hold your ground and when to let go in a divorce. And how to get the emotion out …

Tips for a More Financially Fair Divorce Settlement

All investments are not created equal. Below are a few factors to consider when assets are being divided. 1. Often …

How to be Financially Prepared for a Divorce

When You Think a Divorce Might Be in your Future, What Can You Do on your Own Now To Be …

What is a Divorce Financial Analyst?

As a Certified Divorce Financial Analyst© and Certified Financial Planner®, I have specific training in the financial aspects of divorce …

Other Topics

Creative Job Search Techniques

Many years ago when needing to find a job after having just moved 70 miles to a new location, I …

Is What you do to Live and What you do for a Living One-in-the Same? Or, are they Different?

There are many things I do that “makes me live”. And I guess, that’s the whole point. I need and …

Life is What You Make of It. How are you Making Yours?

How I am doing it: After building a business from scratch as a single parent with no other source of …

Reflecting Back and Looking Forward

Now is the perfect time to look back at 2011 and make a note of what has gone well and …

Time Saving Tips

As a single parent with my only source of income coming from my own business, I had to become extremely …

A Lesson Learned The Hard Way – Be On Time

After one year being divorced, I decided as a single parent I wanted to take my daughter on a really …

Preserving Memories

Scrapbooking can be a great way for friends and family to get together, reminisce and preserve memories. ‘Enjoyable for you, …

Common Money Mistakes People Make When it Comes To the Holidays

If you start shopping early for gifts, not keeping track of what you already bought and then finding you have …

An Organization Tip For your Sewing/Craft Room

Many people find they need to have a place where they can leave their project out until it’s finished, but …

Charity Auctions – Helping Others While Helping Yourself

My husband and I enjoy going to charity auctions. With the economy tight, it gives needed money to the charity …