Author: Beth D’Andrea
It is a sad day when you and your spouse decide to go your different ways. Whether this parting is amicable or not, there are many very important decisions that need to get made right now that affect your future. You need make sure that when you leave this marriage, you leave with what is rightfully yours. Read on to check on some financial items that often get overlooked during this hectic time. (more…)
Author: Beth D’Andrea
You know, the one thing they do not teach your children in high school is how to manage their money – a very valuable life lesson. This leaves it to you, and while there are some helpful points below, don’t forget that modeling good money habits goes a long way. So, whether your children are in 9th grade or getting ready to move out to college, work with them to get them started on the three points below. (more…)
So you’ve just had a baby and you’re feeling a bit over your head. Between baby food and diapers, car seats doctor’s appointments and very small clothing the money seems to be flowing out the door. This is definitely time to review your budget and there is one more thing you need to add: college savings. (more…)
One of the most exciting yet financially taxing moments of your life is purchasing a home. Whether you’re a first time or a repeat buyer, one of the best favors that you can do for yourself is learning when the perfect timing is for purchasing a residential real estate property.
Here, we will try to learn about the ‘real’ state of the real estate industry for homebuyers. Remember that buying a home is one of the biggest investments that you will ever make in a lifetime – so knowing the right timing is crucial. This is especially true with the new developments that will happen in the industry by the middle of the year 2010. (more…)
Author: David Stack
When you’re just beginning to put away money for savings, cutting costs around the house, and tighten your belts when it comes to spending, you and your family may experience a different kind of change, one that might be causes for arguments and disappointments. All the new things may seem such a deal breaker at first, but it’s only that the family is mostly used to spending and not in cutting back. But now, those little spendings count in a big way. (more…)
Author: Jerry Pelletier
The biggest mistake made by many people who find financial success is to begin living as if there is no limit to their income. There is a sense of security and extravagance that comes with knowing you have a consistent, sizable income. Yet, there is an end to the money flow and if you aren’t careful to live within your financial means you could find that end much quicker than you ever imagined.
Last October, the MetLife Mature Market Institute released a study that said the over-55 workforce will account for almost 93 percent of the net increase in the U.S. civilian labor force between 2006 and 2016. At the same time, MetLife reported that many American workers plan to stay on the job “at least” until age 69.
The Pew Research Center’s Social & Demographic Trends Project echoed those findings in May 2009, saying that just over half of all working adults aged 50-65 plan to delay their retirement, with 16 percent saying they never plan to stop working. (more…)
A family doesn’t need a surname like Vanderbilt to benefit from a family mission statement. A mission statement is a collaborative document created by one or more generations of family so standards and goals can be set for the handling of all family assets, including businesses and philanthropy in particular.
While mission statements aren’t legal documents – in fact, many are done both in written form and on videotape as a companion to legal wills and directives – their purpose is to make a record of the family’s values, goals and aspirations and how those sentiments should drive future decisions about family wealth management, business succession plans and charitable pursuits. (more…)
The ancient Greek expression “Know thyself” carries a lot of weight when it comes to investing. Indeed, an investor’s personality can speak volumes to their ability to spot opportunities and avoid risk. If more people truly “knew themselves” when it came to money over the last decade, it’s arguable we would not have seen many of the individual excesses and mistakes that marked the recent economic slowdown.
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"We filled out our 20/20 Analysis and we were able to see that, had we stayed on the same payment plan, it was going to take 48 years 11 months before we could become debt-free. Now with your program, we can be debt free in 8 years and 6 months! How exciting! And that is just the beginning. We have been able to dream bigger dreams than we ever dared before. Thank you from the bottom of our hearts."
Chris & Julie
Tampa, FL
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