The Ins And Outs of Credit Freezes And Locks
No one ever likes getting letters from the IRS, but this one was particularly frightening. Someone filed a fraudulent tax return in my name looking to swipe a big refund. Needless to say, neither of us was entitled to this…
How To save 10,000’s On Your Mortgage!
If you are buying a house the first thing you probably realized is that when it comes to mortgages, you don’t get a lot of choices. Just try to question any of the 1,000 documents shoved in front of you…
F.I.R.E. dangerous to your health?
So if you follow my blog, you know that I’m not a big fan of F.I.R.E. (Financial Independence and Retire Early). For those unfamiliar with the topic, followers of the F.I.R.E. principals live very frugal lives using the money they save…
The Alphabet Soup Of Financial Planner Certifications
When a client looks for a veterinarian, the educational qualifications are reasonably straightforward. For primary care, a client looks for a DVM (or VMD) and for specialty care there are a limited number of certifications all with rigorous training programs behind…
Financial Advisors – Who Can We Trust
It’s not easy knowing who a veterinarian can trust for financial advice. If you aren’t leery of the people who try to give you financial advice, you haven’t seen The Wolf of Wall Street. Think that was an exaggeration? Maybe…
Budget Boot Camp
I few weeks ago I gave everyone a homework assignment. It’s simple assignment really- no algebra or physics – I just wanted you to download and configure any one of a number of budgeting / expense monitoring apps and then just spend…
Tired Of The Low Interest Rates Offered By Your Bank?
Where to keep liquid assets? There is no doubt, when it comes to saving for retirement including some mix of stock and bonds is essential. Nothing else will generate the type of returns needed to build a nest egg. But what about “emergency funds” and “home…
Income -Where Is As Important As How Much You Earn
As an educator at a school of veterinary medicine, it always fascinates me to hear what fourth year students have planned following graduation. For some, it’s easy. Maybe they plan on an internship – and then it’s where ever the…
The Importance of Expecting Unexpected Expense!
Recently, we examined how the first and most important step in budgeting was monitoring expenses. You really cannot start to budget your spending if you don’t know where your money is currently going. As we will see later, there are some…
Time To Review Those Pesky Subscriptions!
Its January and even in the valley of the sun, it’s cold outside. Ok – it’s like 50 degreases here, but that almost constitutes a state of emergency! So what better time to start a new January tradition – Subscription…
