The Time Value of Money is the oldest, wisest concept ever created for investors. Wait until you see what you could create by saving less than $7 a day toward college for an unborn baby! The real power of this concept comes from rate of return and period of years. You may be able to […]
“I don’t really care” is my first response to many questions these days. Like the book, “Don’t Sweat the Small Stuff”, right now, due to a medical issue in my family, almost everything seems like “small or unimportant stuff”. Why does it take a situation where someone in your immediate family has a major issue […]
“Marry a woman more frugal then you,” is great advice from one of my favorite books, The Millionaire Next Door. As some guys will tell you, it’s a lot easier said then done. For those guys that have married a frugal woman, money is usually not a problem in their marriage. With my clients, when […]
Last week our family embarked on yet another Spring Break vacation. We packed our luggage (mainly beach wear) and five bodies into our 2004 Toyota Sienna (154,000 miles and counting) for a long drive. This year’s last minute idea was to go to Naples and then Marco Island. Sunshine and warm weather was only 1,360 […]
We have all heard the phrase “return on investment” and that is measurable, but have you ever considered what your “return on life” (ROL) was in the past year? I recently read a blog discussing the “Return on Life” concept and describing the 6 core values a GOOD financial planner provides. It referenced an industry […]
There are many reasons people choose not to ask for help, whether it be pride, stubbornness, procrastination, not knowing who to ask, etc. Recently, an acquaintance of our family stopped by my office unannounced. He was visibly shaken. He shared his most personal financial issues with me. He told me he had made some poor […]
This year for Lent I gave up Fox News. If you are an avid news watcher, you may want to try this too. “Out of sight” really does lead to ” out of mind.” Fox generally provides me with all the current news and a ton of commentary from both sides of the political aisle […]
I thought you may be interested to know how a 25-year financial planning expert goes about planning for financial success in the New Year. I’d like to think I live a balanced lifestyle, enjoying life today while saving for an uncertain tomorrow. My peace of mind starts with a detailed analysis of where I am […]
There are a lucky 13 days remaining in 2014 it’s not too late to consider at least one of these financially savvy ideas: Taxing matters If you’re paying estimated taxes, now would be a good time to review your payments, especially if you had a big change in income from the prior year, Estimated […]
Most of my clients tell me this isn’t true, because they pay their card balance off in full each month. I say, “That’s part of the problem!” We all have a propensity to spend up to what we know we can afford to pay off each month. Those that carry and grow their balances […]
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- And the Winner is? Active vs. Passive Investing April 21, 2015
- Shut Up and Take My Money January 13, 2015
- Use Life Insurance for Long Term Care (if needed) December 5, 2011
- What Did You Pay For Your Kid’s College? Please Respond August 27, 2013
- Perks of Getting Older June 19, 2013
- “Cameron Frye, This One’s for You!” March 31, 2014
- Mike Pensinger: It's studies like this that emphasize the importa...
- Brad Rosley: Hi Victor, glad you liked it. sign up for the week...
- Victor Rojas: Brad Excellent post, I'll follow your technique ...
- Brad Rosley: Thanks for sharing Steve. I learned quite a bit fr...
- Steve Groenier: Great story Brad. I remember road trips with my fa...