February 2021 Net Worth Update

Conventional Versus FHA: Which Should You Choose?

Making the correct choice between an FHA or Conventional mortgage can make a substantial difference in the total cost of the loan over time. In this article I look at how several loan parameters (including loan amount, down payment, and credit score) can affect your decision.

How to Get Results in Financial Planning

Have you ever wondered why everyone gets a different result from working with a financial advisor? Read this article to find out the secret to getting positive results in every financial area of your life regardless of the world economic condition.

Transformation and Dealing With Obstacles

Obstacles need to be dealt with or else your aspirations will never become reality. With a clear destination and a road map obstacles fall by the wayside. Goals are more than just a list of aspirations; they give you energy, courage and discipline to deal with obstacles.

Delay Taking Social Security If You Can Manage It

Waiting until age 70 to begin taking Social Security payments can substantially increase your monthly draw. If you are retired, need monthly income now, and have substantial equity in your home, consider a HECM Reverse Mortgage to help delay taking Social Security.

7 Tips for A Financially Healthy New Year

Financial sustainability may seem an unattainable goal. However, there is no time like the start of the year to assess your financial health and make plans for good decisions throughout the year.

Your Fallback Plan: Credit and Debt?

The financial institution, Bankrate, did a survey in December 2014 (published January 2015) to learn more about the fallback plans of everyday Americans, should they experience an unexpected expense such as a $1,000 trip to the emergency room or a $500 car repair. As you probably already guessed, the survey results tell a different story than the media about how the economy is doing.

How to Stop Putting Off Important Financial Decisions

Putting off important financial decisions? Stop costing yourself.

ABLE Accounts: A New Savings Account for People With Disabilities

On December 19, 2014, President Obama signed into law the “Achieving a Better Life Experience Act of 2014”, also known as the “ABLE Act of 2014”. This new law will allow states to establish an ABLE program, under which eligible people with disabilities can set up an ABLE account. These accounts will be modeled after Section 529 (college savings) accounts.

Personal Finance New Year’s Resolutions for 2015

I’ve always loved New Year’s Day as it gives us all a clean slate and a fresh start- if only in our own minds. It’s a wonderful time for reflection as well as looking ahead. It is in that spirit that I came up with this list of financial New Year’s resolutions.

5 Signs That You Are Managing Finances Successfully

Here are five signs which show that you are managing finances successfully. These show that you no longer need or rely upon cash advance and other types of credit to take care of your financial obligations.

Financial Checklist for Your 20’s

Your twenties can be the most eventful decade of your life. You may be a student, new to a full time job, a new renter or homeowner, married or single, a parent or even a small business owner. No matter what you’re experiencing, you’re likely rather new to managing your money.

The TOP 5 Financial Resolutions for Millennials

Review these top New Year resolutions for Millennials. These resolutions can change your life, and make 2016 a financially free year.

Millennials: Escape the Credit/Debt Matrix

“Cast off the chains of market-structured consciousness.” ~Jay M. Handelman (1999),”Culture Jamming: Expanding the Application of the Critical Research Project” According to the U.S. Census Bureau, December, 2014, 1 in 5 of the Millennial generation (birth years from early 1980s to early 2000) live in poverty and have lower rates of employment compared to their Baby Boomer parents of a similar age in the 1980’s, one of the most prosperous eras of American history. Obviously, the Millennials need a place to live (besides with their parents), clothes on their back, food to eat and resources to care for their children. Not to mention time and money for travel, and doing fun things, as well. Oh and then there is saving and investing for the future. Go figure…

Making the Most of Your Finances – Tips for Avoiding Common Financial Pitfalls

Falling victim to an investment fraud could set your retirement dreams back many years. No matter how you invest or how much money you have, it is important to look out for the warning sings of an investment scam. This article takes a look at some of the most common financial scams and how you can avoid them.

Banks Are Your Financial Partner

Banks are a place to store your money for everyday use or for a rainy day. What some don’t realize is that they are also your partner for financial needs and sound money management.

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