Blog


Aug

10

2016
Financial Literacy, How Bad Is It?

Financial Literacy, How Bad Is It?

There is no question; America has a financial literacy issue. A report from the FINRA Investor Education Foundation says that two out of every three American adults “lack financial literacy” and that approximately 37% of Americans could pass a basic economic/financial knowledge test. More from the study: 9% are underwater on their home mortgage 21% have overdue medical bills 18% of respondents spend more than...

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Aug

03

2016

Make More or Spend Less?

Many people think the key to a successful retirement is making more money. However, believe it or not, focusing on how much you spend (your expenses) may help more. Reducing your debt before entering retirement can also help make those years less stressful. To test this theory, we ran a hypothetical scenario through our financial planning software. With all other factors remaining constant, we ran...

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Jul

20

2016
Retirement Visualization

Retirement Visualization

The greatest golfers in the world visualize each and every time they hit the ball. They can see the shot before it’s hit. Jason Day, the world’s #1 golfer, actually closes his eyes for about 5 seconds to concentrate on the shot. If it works for golfers, then maybe it will work for you. I’m not talking about chasing a ball around all day; I’m...

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Jul

13

2016
Impact Investing

Impact Investing

What is it and should you do it? Years ago, “Impact Investing” was referred to as “Socially Responsible” and over the years has become very popular. There are two questions with this type of investing: 1) Should you invest? 2) Will you make money? Let’s look at some statistics to help you decide: • In 2005, there were about 200 such investment vehicles, less than...

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Jun

29

2016
To Loan or Not to Loan

To Loan or Not to Loan

Getting hit up for a loan by a family member or friend can make you feel like you’re stepping into a minefield. On one hand, you want to help that person out. On the other hand, we’ve all heard the horror stories of ruined relationships. So what are you to do?  Here are a few guidelines to follow if you agree to finance a friend...

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