This is a guest post by Elisa Niesen and Lynne Gerding, Realtors and Renovators based in Naperville, IL, www.elisaandlynnehomes.com. Spring has finally SPRUNG and if you’re from the Midwest then I’m sure you were as miserable as we were! Every year it is a time of preparation and a revival of the old to make things new. We couldn’t think […]
Last month our youngest son turned 16 and experienced that long awaited moment…he obtained his driver’s license! A euphoric experience for him, but frankly a somber reality for us as parents. Last week I wrote about the steps required to obtain a driver’s license and the responsibilities that accompany the privilege to drive a vehicle. […]
Kids have always been sponges when it comes to learning from their parents. As an adult, I can reflect on what I learned from my mom and dad. I admit (and am proud of) that I’m a lot like they were/are. Unfortunately, I’ve spoiled my kids more than I should have and am paying the […]
When the Patient Protection and Affordable Care Act starts rolling out in October, it will overhaul how Americans get health care coverage. You will find yourself in a maze of different options. I came across this article in the Sunday Chicago Tribune this past Sunday. Hopefully it may be a start to assist you in […]
A basic tenant of personal finance that can dramatically improve your money life is having a cash emergency fund. Its sounds so fundamental: put away some money for a rainy day. Yet so many people don’t do it. Perhaps because they don’t have a solid answer to a simple question: Why? It’s especially important for […]
Avoiding life’s big financial planning mistakes is not hard if you plan well. Financial planning, however, takes a backseat to day-to-day living for many people and this is where the potential problems creep in. Here is a list of five key planning issues that everyone should address: 1. Not Enough Liquid Savings Having plenty […]
Sure, the upcoming will election results will have some impact on your financial future, but nowhere near as much as the everyday spending/saving decisions you make. By now, you have probably concluded that you cannot count on investment returns to propel you to sudden wealth or even a financially secure future. It’s a shame that […]
When Romney Wins – Then What? Since Mr. Romney is well positioned to win the presidential election, I’ll take a few minutes to explain what I think might happen if Governor Romney is elected the 44th President of the United States. If Republicans also win both houses of Congress, expect there to be quite a […]
October is a strange month for shopping, since we’re now within a stone’s throw of the biggest shopping event of the year: Black Friday. You might want to put off most purchases until the attention-grabbing deals start flowing in next month. But now that you have finally filed your extended tax return and are anticipating […]
Are you looking to refinance before the end of the year? The latest frenzy of mortgage refinancings has benefited millions of Americans who have been responsible or lucky enough to qualify for 30-year fixed-rate home loans below 4 percent; equating to a tax effective rate that could be as low as 2.6 percent. But don’t […]
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