Financial Planning
Retirement Planning - Do You Have A Retirement Plan?
CNN reported recently that many Americans are getting worried that they won’t have enough saved for their retirement. The biggest concerns appear to be health care costs, lack of or modest savings, and unrealistic expectations of how much they will spend in their retirement.
Why Life Insurance?
In the accounting world we refer to insurance as a form of risk management. For the everyday American, life insurance protects those who rely on your pay check: If you die unexpectedly the life insurance will protect your family and dependent by providing replacement income. Think of it as the ultimate emergency fund that covers [...]
Creating An Emergency Savings Account or Emergency Fund
Things just happen to all of us and many times it costs us. If you don’t have an emergency savings account ready to cover three to six months of your basic living expenses can spell disaster for the best laid financial plan. However, you can prepare for the unexpected by setting up a savings account to get you through unexpected financial problems.
Signs of Financial Trouble
The onset of financial trouble is some times obvious: The loss of a job, fire, or accidents can put financial strain on the best of us. However, there is a number of warning signs that can appear that we may not recognize and are self inflicted.
Kill The Lights - Save Money On Power
We moved to a new home last year that had an older air conditioner. Now we live in the north east and so it doesn’t get used at all in the winter but is on, full-time in the summer. My first summer in the new home and my first summer power bill almost sent me to the grave. It was ridiculously high and I was tempted to turn the air conditioner off completely and force my family to endure the heat of the summer. Luckily cooler heads prevailed (no pun intended) and my family wasn’t subjected to sweltering heat.