Long winter days got you down? You are not alone! Fifteen to twenty five percent of people are thought to be affected by Seasonal Affective Disorder. Even if you don’t have all of the symptoms of SAD, winter can make you feel dreary. Since I want you to save for retirement/college/emergency funds, my recommendation for…
We are into the misery of winter now. Short, cold days, runny noses, and lumpy sweaters make you long for a beach vacation. But what if you could put that vacation money to use in your investments? What kinds of companies profit from cold weather? Remember, this newsletter is not investment advice, but some general…
Yes, a recent blog was just making fun of New Year’s Resolutions. But the new year does feel like a good time to embark on fresh starts, be it health, relationships, or money. I can only help with one. Resolution #1: Ignore all economic forecasts, prognostications, tea leaf reading, crystal ball predictions and financial…
Over the years, I’ve heard my British friends talk about Boxing Day. It sounded like a day where you give all the Christmas gifts you didn’t want away to other people. Sort of like spring cleaning immediately after Christmas. Being an anti-clutter person, I can say that I am in! But am I misunderstanding what…
You don’t want to show up empty-handed, but is there something more original to bring your host than a bottle of booze? Read on for some host(ess) gifts that won’t break the bank. 1. Gourmet Olive Oil or Balsamic Vinegar – Perks up cooking and you would rarely buy it for yourself. Estimated Cost:…
‘Tis the season to be scrambling around at the last minute to make your charitable donations. In 2024, you may have benefited from a big increase in your investments and would like to use appreciated stocks or mutual fund shares to donate to charity and get a nice tax break. But what if you don’t…
Ah, cookie exchanges. Do people still do these? I know I’m invited to at least one per year and, not being an adventurous baker (plus being totally overwhelmed year-end with, just, stuff), I always struggle with what to bring. If you are wrestling with the need to participate, but not the time to hand-decorate individual…
Happy Thanksgiving! Suppose you are reading this blog on the day it goes out. In that case, you must be hiding from family members asking when you are going to get married, have a baby, get a new job, finish your degree, convert to their religion of choice, stop drinking, start drinking, read their script,…
If you own a business or are in the business of actively managing your career, now is the time to get going on planning for a successful 2025. To help you focus, I’ve brought in CPA-turned-business-coach Sarah Nemecek for tips on designing a year of growth and productivity. KS: What is your best tip…
Anyone who has met with me and is contemplating a remodel knows that I loooove a Home Equity Line of Credit (aka HELOC). I think every homeowner should have one in place. If you don’t, maybe this is a New Year’s resolution to add to the list. Why do I think HELOCs are so great?…
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