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…
Understanding Your Finances
Expense Monitoring Is The 1st Step There’s no way around it – how much money we can spend and save each month is a simple function of our income and expenses. Unless you plan on moonlighting at an emergency clinic…
Keeping Safe From Identity Theft
Another month, another data breach. It seems like 2018 has been the year for stolen data. In the past 12 months, Saks Fifth Avenue, Lord & Taylor, Macy’s, Under Armor, Panera, Facebook, Orbitz and Marriott were just a few of…
Student Loans and Marriage – A Dangerous Mix!
Engagements are such a joyous time! The romance, the ring, the excitement of telling friends and family and Facebook! Far be it from me to cast a shadow on the whole joyous event, but someone here needs to be the…
Why Market Downturns Are Our Friend!
A young colleague of mine was shocked when she looked at her most recent 401K investment returns. You see, her relatively short experience with investing has been contained entirely during the longest bull market in modern history. For someone who’s entire experience…
Its Raining Lawsuits – Do I Need An Umbrella?
What is umbrella insurance? The short answer is that umbrella insurance provides coverage in excess of what your homeowners (or renters) and auto insurance cover. It gets its name because it’s an extra layer of protection, like an umbrella, that…
