Money—A Finite Resource

I was not the best student in high school, academically. However, I was one of those kids that was well liked who always had a good time. I went to a Catholic school and I remember all the nuns telling me that I had a “spark” in my eye. Of course, that would always be […]







Debt Is a Growing Retirement Problem; Don’t Make It Yours

Remember those retirement commercials a few years back, I think from ING? They had pre-retirees carrying around giant numbers that represent how much money they need to save in order to have the retirement lifestyle they want. In our working years, we are in the accumulation phase of our financial lifecycle. And in that accumulation […]







Higher Interest Rates—What Do They Mean?

For the first time in nearly a decade, the Federal Reserve will be raising the key interest rate. The “key rate” is the specific rate that determines bank lending rates and the cost of credit to borrowers. The key rate is one of the chief tools used by the Federal Reserve (Fed) to implement its […]







Don’t Disregard The Value Of Your Home

I find that when people evaluate their assets as they move toward retirement, they usually focus only on their traditional investments, things such as 401(k)s, IRAs, mutual funds, stocks and bonds. When looking for a stream of income, Social Security and pensions are examined and calculated. For good reason, these assets and sources of income […]







Your Mortgage—Candy Or Coal?

I simply love this time of year. One of my favorite things to do during the holidays is to drive through neighborhoods with Jill and our girls to look at all the holiday lights. We each have our favorites. Jill loves the all-white, classic look. For my girls, on the other hand, the brighter, flashier, […]