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When was the last time you had to decide whether to pay cash or to buy on credit? What is your money worth and what is the cost of holding on to it and going into debt instead? Let’s set aside the risks of using money you don’t have for the time being and just … Read more Do you know the value of your money?
Tough Love for a College Graduate: Confessions of a Mother and a Financial Planner I came across a question posed by a business reporter, “Should parents of a recent college graduate help pay back the student loan instead of retirement savings?” Of course the answer is a resounding “no” since saving for retirement is the … Read more Tough Love for a College Graduate
HSA: the only tax trifecta and a possible alternative to Long-Term Care Insurance. Since HSAs were created in 2003, their popularity has been growing steadily. If you have a High Deductible Health Plan: minimum annual deductible of $1,200 for individual and $2,500 for family coverage, you may qualify for an HSA. Additional requirements are: you … Read more HSA – The Only Tax Trifecta
Pink or blue. Right or left. An apple or orange make an array of decisions daily: some are simple and inconsequential while others could have more impact in later times. Somewhere in the upper side on that scale lies a decision about a Roth account as a retirement savings choice. The question of Roth has … Read more To Roth or not to Roth…A Case for Roth
I happened to watch a TV crime drama recently and the criminals were a group of graduate students who were caught selling biotech research data to a shady entity. At the end of the show one of them blurts out a number, which represents the amount of debt he has incurred in student loans while … Read more Is College Worth It?
Quoted in “Don’t Know Where Your Money Goes? That’s a Problem” – WSJ I contributed to an article by a WSJ reporter about the importance of budgeting: you can read her full article here. http://www.wsj.com/articles/dont-know-where-your-money-goes-thats-a-problem-1461835800?mg=id-wsj The most fundamental element in personal finance is budgeting or cash flow management. As the saying goes “All roads lead to … Read more Where Does Your Money Go? (WSJ)