Archive | Financial Planning

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Freeze Your Credit Reports Now

Use these steps to freeze your credit reports at the three major credit reporting agencies:  Experian, Equifax, and TransUnion. By now you’ve heard about the massive data breach at Equifax. Information (including Social Security numbers) from 143 million consumers was potentially compromised by the agency entrusted with your personal information. I’m over being outraged. Protect yourself […]

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Mortgage Loan Basics

Understanding mortgage loan basics can help first-time borrowers get the right loan. This blog describes several loan features that you can vary and the pros and cons of doing so. This blog is the third of three for first-time homebuyers. The first one describes how much house you can afford. The second one describes things […]

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Obama Improves Personal Finance Decision-Making

Just a week after President Obama’s first Inaugural I started my financial planning practice. Since then, new tools and consumer-friendly policies have offered Americans meaningful opportunities to improve their personal finance decision-making. I’ve seen firsthand how these Obama Administration policies have helped clients with four critical financial challenges: investing for retirement, repaying student loans, buying […]

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5 Tips to Combining Finances

Combining finances with your spouse or partner can be challenging. A successful combination depends on recognizing you have different experiences with money, attitudes about money, and earnings potential. Unfortunately many couples do not get the money issues correct as it is one of the top reasons for divorce. There are no right or wrong ways for combining […]

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Maximize Your Employee Benefits

Spend a little time reviewing your employee benefits during this fall’s open season. Employers change their employee benefits annually. It makes sense to check them now because if you are like most people, you get your health, disability, and life insurance through your employer. Liz Davidson in her book, “What Your Financial Advisor Isn’t Telling […]

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New Baby Financial Checklist

I’ve been thinking about a newborns recently and the need for a new baby financial checklist. These ruminations couldn’t be more timely. According to the Centers for Disease Control and Prevention, July and August have more births than other months. Cold winter months must lend themselves to romance! If you’ve recently become a parent (or a […]

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Financial Literacy Quiz

A recent NYT article provided a quick and easy way to determine whether you need a financial planner. The article pointed out that since 2009, most folks believe their financial acumen has increased. But according to this quiz, which has been administered consistently for several years, overall financial acumen has decreased. Talk about mismatched realities! The majority of […]

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