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May 13 2016
Comments Off on Is Your Cell Phone Bill As Much As Your Parent’s Mortgage Was?

Mine is! I hear from many of my clients how their cell phone bill increases year after year. Mobile companies offer so many different types of plans with minutes, data, texting, and other additional options, that it makes it even more important to review your family’s phone bill annually. You may be able to lower your costs and keep them to a minimum. Here are five ways to potentially cut down those cell phone bills: Who Is Your Top Ten? – Most companies offer a free...

Mar 14 2016
Comments Off on “All You Need Is Love”…No, Wait!
Do You Have a Prenuptial Agreement?

Remember that great song from the Beatles’ early days? Quite a romantic thought. But really, it is quite a distance away from – reality. To prepare for marriage, review both of your finances with your head out of the clouds and your feet firmly planted on the ground. A complete picture of your financial assets and liabilities provides an important foundation for openness and honesty when you merge two households into one. If this is the second marriage for either, consider...

Mar 14 2016
Comments Off on Marriage and Money

The “Big Day” is around the corner and a new phase in life will begin, so it is crucial to start on the right foot. Come to terms with managing your financial life by having upfront conversations on how each feels about money, who will handle what, how you invest, who has debt, and how your new family unit will deal with these issues. Here are some free online tools to make your financial life easier: 1. SmartyPig – Create specific goals for saving for a wedding,...

Jan 20 2016
Comments Off on 7 Smart Money Marriage Tips

Valentine’s Day is fast approaching and couples of all ages will decide to get married. Making money work if one of you is a spender and the other a saver is a challenge, but here are 7 tips on money strategies for your marriage: 1. To mingle or not to mingle money as a couple is an important decision. Having one joint account as well as a separate account for your own spending money can lessen arguments. 2. Tracking spending is not a way to point fingers at one another,...

Dec 08 2015
Comments Off on It Is That Time of The Year Again!

Thanksgiving dinner with friends and family, Christmas shopping and decorating and the anticipation of the New Year bring with it the realization that once again you must begin to assess your 2015 tax picture. I don’t know one person that relishes this overwhelming task. Even in years when the tax law changes are minimal, it is still a good idea to assess your situation as it may have changed. Make sure you consider the tax impact of life changes, such as marriage, divorce,...

Sep 21 2015
Comments Off on Five Things Your Child Should Know Before They Go to College

I recently overheard a conversation between my nephew, a recent college graduate and my daughter. The conversation went something like this: Nephew – I was trying to negotiate purchasing a car and had to get my dad on the phone. Daughter – What, couldn’t you figure out how much to pay? Nephew – I didn’t know what an APR rate was, didn’t know what my credit score was to know if I was getting a good deal or not. 
Daughter – I was trying...

Jul 02 2015
Comments Off on The Real Harm of Market Obsession

I recently read an article entitled “The Real Harm of Goal Obsession!” by Marshall Goldsmith. In this article he writes: “Goal obsession is one of the greatest problems that I encounter in my interactions with successful people. Goal obsession occurs when we become so focused on achieving our goal (or task) that we forget our larger mission.” His point is well taken. It also holds true for many investors. These investors are so obsessed with the market that they...

1.Checking emails all day. There’s nothing that will drain your time more than constantly checking your inbox. This will pull you away from the most critical activities that will actually make you money. Rather than checking emails throughout the day, designate a few blocks of time specifically for email activity. Outside of that, leave your email program off-limits. 2.Responding to emails immediately. Email by definition rarely requires that you respond immediately. If the...

May 12 2015
Comments Off on Five Very Quick Tips to Get Your Clients to Love You

1. Write down any personal details about your clients. This could be their children’s names or spouse’s name or their childhood hometown. Put this information into your CRM system. This way, next time you’re in front of your client or on the phone you can reference back to those little personal details. It’s one thing to ask, “How’s your wife doing?” It’s another thing to ask, “How is Sandi doing? You told me that she was taking Brian going to college very hard.”...

Mar 20 2015
Comments Off on “Should I Accept or Should I Not?”

Have you been asked to accept the job of a Trustee, Power of Attorney Holder, Representative or as it was called Executor or Executrix? Do you serve in that capacity already? Did you accept thinking that you will never have to actually carry out the  duties asked of you by a loved one and now you find yourself in the difficult position of carrying out the required duties of a Fiduciary? Are you prepared to handle those duties? Do you know what your responsibility is as a Fiduciary?...

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