Well, of course not, who is? That said, there are some basics that each partner in a couple should know in case the unthinkable happens: How much life insurance is on each spouse? Where is the policy information kept? Do you have a will? If so, where is it? In whose name are your…
April showers bring May flowers and so my theme for this April is change. I’m certainly ready for the change from winter to spring, but are my clients and friends ready for other changes that life hands them? Am I ready? Probably not. So, here is my stream of consciousness list of questions to think…
In the wake of the 2008 recession raises have almost become a quaint thing of the past, like ice delivery or 5-year-olds without cell phones. However, the tightening labor market has made some employers realize the need to keep pay competitive in order to keep their best employees. According to a Towers Watson survey…
There is an old saying that goes “love what you do and you will never work a day in your life.” That’s great, but maybe not practical for everybody. I really appreciate the people who collect my trash, deliver my paper, and plow the streets when it snows. Are they living their dreams with their…
The theme for this month is “Marching Toward Your Financial Goals.” Cute, huh? Usually, this blog talks about ways to save and invest the money you are earning. This month, the focus will be on getting more money coming into your household. It’s all about the top line in March! In the February 22,…
Forget big age differences. Having a conflict in credit scores can be an early determinant of whether your relationship will last. Your FICO score is a quick way for companies to determine your relationship with money. It is used in everything from getting car loans to renting an apartment to applying for a job…
Here are some traditional gifts of love that you can replace with gifts of financial health with your sweetie. Cost of one dozen red roses delivered: $69.99 Invest $69.99/year for 20 years at 7% and you will have $3,070. Enough to buy a 7-day Caribbean Carnival Cruise for two! 5th wedding anniversary: Wood…
Well, maybe it wasn’t a burning question until you opened this blog. But, April 15th is coming up, so it’s time to start thinking about whether or not you will contribute to an IRA and if so, what type? I know it’s not popular in the press these days, but I am a fan…
An article by Alex Padalka in the December 21st Financial Advisor IQ newsletter talked about how Wells Fargo is incenting its more experienced advisors to move clients with under $65,000 to trainees. The idea is for advisers to have a better ratio of larger accounts. According to the article, the $65,000 account minimum is…
It happens to the most contentious of us. We say we won’t go overboard on holiday spending (and, let’s face it, eating), but we get caught up in the moment. Or, your kid asks for something at the last minute and you don’t have time to bargain shop. And, your Aunt Gertrude is so hard…
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