No Money Worries. No Matter What.
Everyone knows how difficult it can be during a recession. But not everyone knows what a recession really is. Ronald Reagan said a recession is when your neighbor loses his or her job. A depression is when you lose yours. That’s a good starting point, but let’s dive in a bit deeper. What is a […]
Prosper is a peer-to-peer lender. That means they match up people who need to borrow money with people willing to loan out their cash. The loans are unsecured. That means the people who borrow money promise to pay back the loans but they aren’t required to provide collateral. It’s a personal loan. Borrowers come to […]
Do you almost have enough money to retire and want to scale back from the 40-hours-a-week grind? If so, here’s a way for you to get your employer to agree to your phased retirement. Before you approach your employer, you have to think like her. Her main interest is her business. She wants the best […]
Lifecycle funds are popular investment options. They are choices in almost every retirement and 529 plan I see these days. And this is to say nothing of the many investors who purchase these funds outside of college and retirement plans. But are lifecycle funds good choices? In most cases, no. In one case, yes. Before […]
You know that Uncle Sam is expecting your tax payment shortly. And if you want to make that payment by using your credit card, you can actually do so free of charge and avoid IRS trouble. If you’re lucky, you might even be able to scoop up some airline miles for yourself too. Have I […]
I finally broke down and decided to review YNAB, better known to some as You Need A Budget, the premier personal budget software package. And even though I’m a professional financial advisor and CERTIFIED FINANCIAL PLANNER™ Professional, what you do financially dwarfs the importance of my work. That’s right. Even if you had Warren Buffet […]
