As New Year goals are formed, don’t forget your retirement. Most understand the importance of saving money for one’s future and many even hope to retire someday; however, very few of us ever take steps to actually achieving the ability and financial freedom to retire. The days of working at one company for [...]

With record high unemployment levels and Americans feeling the cash pinch of the recessive national economy, many households have allowed their retirement plans to lag behind. Extra cash that was previously used to pay into a retirement account is being used to make ends meet during tough economic times. Likewise many companies suspended [...]

Its National Education Week and kids and families all across America are celebrating learning. And after leaving my kid’s school I realized kids still really only like 3 components of school: lunch, recess and the “end of day” bell. So how does one motivate one’s self to be more interested in education?….Expose the [...]

I recently got a call from a friend whose grandparents (80 years old) were placed into an expensive “no documentation” residential mortgage loan that is now foreclosing. The grandparents were seeking cash for medical expenses and didn’t qualify for a loan requiring full documentation of income [...]

I always know when a state’s lottery has reached an unusually high amount by the lines in the stores selling lottery tickets and the general buzz around offices and at the popular lunch spots. It seems most of us are all drawn to financial wealth of enormous proportions and even more so, when the [...]

Americans are considering bankruptcy at a nearly unprecedented rate. In addition, there is a growing consideration of a “hardship withdrawal” of 401k retirement accounts in a last effort to access cash necessary to meet financial obligations and possibly avoid a personal bankruptcy. However, the penalties and taxes charged for prematurely tapping of these pension funds [...]

I spoke with someone recently that complained that he made approx $6,000/month and his bills were only $4500/month, yet he had no savings and couldn’t understand where his money had gone at the end of each month. I told him he needed to set a bag or box by his door and in his [...]

No one can predict the loss of employment or even worse, the loss of a loved one. And because of life’s unpredictability, certain financial safeguards should be created to prevent life’s imbalance from causing you to fall into financial ruins. No amount of planning to live can avoid the inevitable tragedies [...]