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Blogs and Vlogs

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Effective Mortgages

Owning a home has long been considered part of the American Dream. And most households need to borrow money to do that. Buying and financing a home can be a positive contribution to your financial situation.

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Develop your biggest resource

Managing your finances has many aspects. It’s good to have an emergency fund, spend less than you make, and save for the future. But there’s a big financial asset that many of us take for granted and it’s worthy of your attention. It’s what academics call human capital and what you might call your talent and skill. This is basically what you could use to make money, now or in the future. Some of this is specific to who you are. It can include your great looks, sense of humor, or natural ability to fix mechanical things. The other type of human capital is what you acquire. Two common ways of acquiring human capital are through formal education and job experience.

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Marital Spats in Retirement

Marriage is a financial partnership. When people are married during their working years, they each generally have their own job – whether that job is in the paid workforce or working in the home. It’s common for one spouse to make most of the money. Often the other spouse is either a secondary earner or has the demanding full time work of maintaining the household. The couples who are financially prepared for retirement have diligently spent less than their household income so they could save money for retirement. When retirement comes – whether that’s transitioning to part time work or a complete exodus from their career – there are major changes in the day to day routine and financial management. Let’s look at examples of what this looks like. For simplicity we’ll call the primary earning spouse Charlie and the secondary earner who manages the household Frankie.

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New Retirement

The definition and expectations of a working life and retirement have shifted through the years. They continue to shift, both out of our changing desires and out of necessity. When the safety net of the Social Security system was introduced in the US, unreduced benefits were available at age 65, but life expectancy was only a few years beyond that. The changes in that system, at least partially, reflect the broader shift in retirement. People are living longer, which is good. But that means that we need resources to support us for a longer period of time. That means we either need to work longer, save more, or a combination of both.

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Your Money Script

Views about money come from our upbringing, our personal experience, and the people who influence our opinions. When these financial feelings become extreme, they can lead to dysfunctional decisions, so making yourself aware of any severe money attitudes can help you achieve your financial goals. The Klontz Money Scripts were developed to identify some common negative financial scripts to help financial professionals assist clients in meeting goals.

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Back to School with Personal Finance

The beginning of a new school year is an opportunity to introduce children to every day financial concepts in a comfortable way. Too often, kids and young adults are exposed to issues around money in ways that are intimidating or negative, even though understanding and managing money is a normal part of a satisfying life.

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