I get an e-newsletter by a smart financial advisor named Jay Mooreland. His focus is not on beating the markets or beating our clients into submission about saving enough. It’s about recognizing how our brains work, often contrary to our best interests, to sabotage our progress in personal finance. Jay recently addressed a Wall Street…
This week I’m excited to feature a real estate expert with an interesting twist. Libby Earthman helps homeowners in various phases of life from first time home buyers to senior downsizers. She takes particular care with clients who have issues with sensory overload. Kristi: You have developed a specialty in making moving easier for people…
In last week’s blog, I gave a VERY short and mostly incomplete summary of tax benefits that we have enjoyed since the passing of the Tax Cuts and Jobs Act of 2017. These changes are set to return to pre-2017 rules at the end of 2025, so if there are any moves to be made,…
Ahhh, sunsets. The word conjures beauty, peace, and signals that it’s time to rest after a busy day. Unless you are a CPA. For those poor suckers, sunsets have them stressing over – eeeek – changing tax laws. Specifically, the pre-ordained ending of many tax code changes in the Tax Cuts and Jobs Act of…
Maybe on Valentine’s Day you made a loving commitment to take your relationship to the next level. Could be engagement, buying a house together, or sharing an abode. The more you commit to a person, the more you commit to their finances, so now is the time to start off on the right foot. Herewith,…
It’s not all boring finance around here! Enjoy a festive drink idea in honor of St. Valentine. Cocktail – Love Potion Martini Ingredients: 2 oz vodka 1 oz raspberry liqueur ½ oz fresh lemon juice ½ oz simple syrup (adjust to taste) Garnish suggestions: Fresh raspberries and lemon twist Extra fancy: Rim your glass…
“Because what are finances, really, besides an ongoing series of personal decisions?” ~ Quote from Team Lemonade. I love this concept because it reminds us that money isn’t just numbers. It’s a means to create a life that expresses our values and priorities. You loved that your partner introduced fun and spontaneity into your…
No, not religions, although after the holidays spent with warring family factions, some people do question their faith. Last week, I explained the basics of Roth conversions. For a little more detail, here are some pros and cons making this transaction. Pros Tax Free Withdrawals in Retirement: The big news when Roth IRAs were invented…
Hello, Cart! You seem to be in front of my horse. In looking at my newsletter archives (because I’ve read all of the Agatha Christie mysteries twice and needed something exciting to fill the void), it looks like I’ve addressed some specifics about Roth conversions in past blogs, but never talked about the basics. First,…
For you Rebel Tendencies out there who don’t believe in New Year’s Resolutions or To-Do lists, or people telling you when and how to set goals, you can skip this blog and go back to breaking all the rules. For the rest of us, January often feels like a good time to assess where we…
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