Starting a Business With a Full-Time Job: 9 Ways to Spend Your Time Wisely

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If you’ve considered starting your own business but want to begin on a part-time basis while maintaining security with your current full-time job, you’re not alone. Many entrepreneurs have found it beneficial to start out this way. For anyone starting a business, learning to manage your priorities and time is critical for both your financial and overall well being. I have found, in working with start up phase entrepreneurs, this is an area that gets … Read More

long term care insurance

Helping Parents Select Long Term Care Insurance

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Question: “My parents have told us they’re buying long term care policies. Can you explain how these policies work so we can help them review their options?” Answer: It’s great that you are able to assist them.  The first thing to know is that you need to educate yourself on this subject as there is no such thing as a standard long-term care insurance policy. Some policies are comprehensive (including most group LTC policies), … Read More

5 Steps to Take Control of Your Student Loans

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It is frightening to see the statistics. According to a recent report issued by the Consumer Financial Protection Bureau, the size of the U.S. student loan market is over $1 trillion and there are approximately 7 million borrowers that are in default with their payments. Student loans are unique in that they’re one of the few debts that can not be discharged with bankruptcy. The only reliable way to get out of your student loans … Read More

financial story round up

Weekly Round Up

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Here are my favorite stories, tweets and blog posts for the week. Enjoy and have a great weekend! How to Avoid Travel Scams this Summer from bargaineering.com Market Forecasting Isn’t Like the Weather  by @behaviorgap from NYTimes.com How Millenials Are Changing the Economy from MoneyNing.com Going Back to School is not Always the Answer from ThirtySixMonths.com Why Changing Your Behavior is More Important than Having a Budget from krantcents.com        

When simple financial questions need more than simple answers

The Devil is in the Details: When Simple Financial Questions Need More Than Simple Answers

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Last week I was interviewed for the article: What Do You Do After Maxing Out Your 401(k) and IRA?  that appeared in Yahoo Finance’s Financially Fit, Ask Farnoosh.  They had questions from two readers and I thank them for including my comments. To give you more of my thoughts on the two scenarios,  I wanted to share them here because I find it’s easy for most of us to want simple answers so we keep our … Read More

Financial Considerations with a New Job

Starting a New Job? Financial Issues You Need to Consider

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Getting a job offer is an exciting time, but you need to consider the full financial impact of a new position. Before You Accept a New Job Get over your fear of negotiating.  Negotiating an employment offer is probably one of the highest paying activities you’re likely to ever to take part in. Consider that just a few minutes could result in thousands of dollars in additional income for many years to come.When was … Read More

Afraid a Loan Could Ruin Your Relationship?

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Since the financial crisis in 2008, banks have really tightened their lending standards. It’s more difficult to borrow money — even for those with strong credit histories. But what do you do if you or someone close to you needs a loan? Many people are turning to friends and family to borrow funds. The Virginia Society of CPAs has put together the following tips to to take to prevent a loan from  damaging a … Read More

Worrying about your finances

Too Much Time Worrying About Your Finances?

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If you’re like many people, you might spend time worrying about your finances: bills, debt, taxes, income, retirement, the list goes on. The problem is, worrying doesn’t fix the situation. It may motivate you to do something, but often it just adds to mental chaos or causes you to act out of fear, which can lead to poor decisions. It’s just a lousy place to be. So, how can you spend less time worrying … Read More

blog roundup for September 14, 2012

Blog Roundup for the Week Ending March 8, 2013

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Here are a few of my favorite personal finance posts from around the web for the week ending March, 8, 2013. Okay, one goes back two weeks, but I thought you should still see it… Stock Market Highs and Your 401(k) from TheChicagoFinancialPlanner.com Shrink Your College Costs from GerriDetweiler.com How to Avoid Red Flag Home Office Deductions from DimeSpring.com Sandwich Generation Turns to Technology to Help Take Care of Aging Parents  from TheWesterlySun.com Value Stocks and Dividends … Read More

how to pay yourself first

How to Pay Yourself First

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I’m sure you’ve heard the financial advice, “Pay yourself first.”  Many experts consider this to be one of the most important financial tips around. But let’s consider what this financial advice really means. It refers to the practice of saving some of your income before you pay any of your lifestyle bills. Ideally, the money would be taken out of your paycheck before you ever see it and deposited into either a savings or … Read More

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