Article Archive

Many very successful people today were “knocked down” time and time again. They may have lost their business to fire …
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We all know that some days in our life will be great and others will be very difficult to get …
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How I am doing it: After building a business from scratch as a single parent with no other source of …
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So many of us live the life that falls into place for us rather than taking control of our future …
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I am a firm believer that adversity can either make you stronger or break you. And, we get to choose …
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Will you allow your circumstances to break you or make you stronger? I am a firm believer that adversity can …
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Why is it that two people can be subjected to the same adversity, but each will view it differently? One …
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Plan and limit your trips to the grocery store. The more often you go, the more you are apt to …
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1. Be sure to always maintain a cash reserve that will cover your required expenses for at least 3 months …
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But if We Truly Pay Attention, Learn and Make the Changes That are Necessary, Adversity Can Help Put Us “In …
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A few quotes of mine to keep in mind when in the middle of adversity. Sometimes lessons in life come …
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I am a firm believer that adversity can either make you stronger or break you. And, we get to choose …
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Many very successful people today were “knocked down” time and time again. They may have lost their business to fire …
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Many people feel out of control of their life and the direction it is going. There can be so many …
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Many people feel out of control of their life and the direction it is going. There can be so many …
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Below are a few of my quotes that have helped me have a happier life.  I hope these help you …
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I bought some fancy paper and cut it into 4” x 1” strips. I sent 6 strips in an envelope …
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When nearing or in retirement you may be tempted to take a portion of your savings and pay off a …
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When saving for retirement during our working years, we often want the greatest tax advantages available to us because we …
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With the difficult economy many face today, below are suggestions for inexpensive family activities. Volunteer as a family for a charity …
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Plan and limit your trips to the grocery store. The more often you go, the more you are apt to …
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#1 My first concern for you is not your potential need for long-term care. My first concern is being sure …
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Working long hours I only had time to briefly scan my credit card statements each month. Until one month I …
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I suggest you research and tour the facilities in your area starting at about age 65, or sooner if you …
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Health care expenses: With people living longer, medical cost rising and many employers not providing retiree medical coverage, the cost …
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Are there things that grandparents can specifically teach kids about money?  –  Often we try to shelter children from the effects …
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Once you have the facts, the decision isn’t that difficult. First you need to know if you plan on working …
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Often young, entry-level men and women have difficulty in managing their new job, personal life and new financial position. They …
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No matter what the current market brings, there are always opportunities in the financial markets. The key is to understand …
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Money managers, like many professionals, may specialize in different areas. They may specialize in retirement assets for current income, focus …
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Lower Credit Card Debt First contact your current credit card company. Explain that you are contacting different companies to lower …
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Keep This in Mind Especially During Holiday Shopping The first most important step in successful money management is to have …
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Is it Too Late? Can I Live on Social Security? First it is important to determine how much income you …
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You may be double paying if you have towing included in your car insurance and also belong to an auto …
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Evaluate all “milestone dates” to maximize the use of all financial opportunities that are appropriate for you. Below are a …
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I have found that many people buy their investments differently than they buy everything else. Which is often the wrong …
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Important Note: The items noted below are typical of each investment but can vary. It is important that you investigate …
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With all that is going on in the market today, my next few posts will focus on ways to help …
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De-clutter your home and have a tag sale. Or donate the items to charity and get a receipt to claim …
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Financial Advisors, like many professions have the ability to specialize in many areas. Just because they are financial advisors doesn’t …
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Consider the following options to help reduce debt. Lower the rate you are charged:  With interest rates so low you …
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Use your credit card points to help with college expenses:  Regardless of where the money was coming from to pay …
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Tax break – Many towns give tax relief to older homeowners, based on income.  Contact your town real estate tax …
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When sending my daughter to college, I felt it important that not only did college not mean parties and alcohol, …
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A general rule of thumb for how much you can expect your investment portfolio to provide is approx. 3-4% per …
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A negatively correlated portfolio can help to provide better diversification while reducing overall risk. And although total negative correlation may …
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It’s never too late to do the best you can with what you have to work with. The first place …
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Some of the most common things people keep doing wrong with their money are: Spending beyond their means Overcharging on …
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An investment policy statement gives you the guideline you need to stay focused on your investment strategy. Having your IPS …
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There are several things you can do to better assure your portfolio is allocated appropriately in the event the stock …
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The answer is your mindset.  How you think about money greatly affects your potential for long-term financial success.  When working …
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It is normally not a good idea to roll credit card debt into your mortgage for several reasons. Lets look …
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I have always felt that one of my most important jobs as a parent is to help my children be …
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With the difficult economy many face today, below are suggestions for inexpensive family activities. Volunteer as a family for a charity …
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Halloween: When you use your imagination there are so many costumes you can easily put together for just a few …
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Creating jobs at home for kids to earn money Can teach them life skills they will need for the rest …
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I wanted to assure my daughter would have good credit when she graduated and therefore be better able to live …
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I have always felt that my job as a parent is to teach my children how to not need me …
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Consider filing taxes as married – separately.  This may cost you more but may protect you in the event he …
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Consider the following where appropriate: Use the library to borrow books and movies Free bread available from your senior center Shop less …
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1. It may appear that assets are split equally only to later find out that it is not equal at …
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This can be a real opportunity to take control of your life and make it be what you want it …
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I suggest holding onto the things that have real long-term emotional connection and meaning to you, such as things handed …
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“Where to hold your ground and when to let go in a divorce. And how to get the emotion out …
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All investments are not created equal. Below are a few factors to consider when assets are being divided. 1. Often …
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When You Think a Divorce Might Be in your Future, What Can You Do on your Own Now To Be …
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As a Certified Divorce Financial Analyst© and Certified Financial Planner®, I have specific training in the financial aspects of divorce …
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Many years ago when needing to find a job after having just moved 70 miles to a new location, I …
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There are many things I do that “makes me live”. And I guess, that’s the whole point. I need and …
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How I am doing it: After building a business from scratch as a single parent with no other source of …
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Now is the perfect time to look back at 2011 and make a note of what has gone well and …
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As a single parent with my only source of income coming from my own business, I had to become extremely …
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After one year being divorced, I decided as a single parent I wanted to take my daughter on a really …
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Scrapbooking can be a great way for friends and family to get together, reminisce and preserve memories. ‘Enjoyable for you, …
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If you start shopping early for gifts, not keeping track of what you already bought and then finding you have …
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Many people find they need to have a place where they can leave their project out until it’s finished, but …
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My husband and I enjoy going to charity auctions. With the economy tight, it gives needed money to the charity …
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