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 […]
“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 […]
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 […]
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 […]
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 […]
Your account balance carries a hidden surrender charge. Millions of working Americans contribute a percentage of their earnings to a 401k account while many also have IRA accounts, most of which were formerly 401k that were rolled over to IRA’s. While some people follow the daily moves of their account balances, other wait patiently for […]
You have many options to fix up your finances, but these will have a significant impact: Cut your housing costs. These add up to about 33% of the average family’s budget. Refinance your mortgage to a lower interest rate if possible, increase the deductible on your home insurance, even consider moving to a location with […]
When planning your finances, you need to consider all the elements and situations that may impact the success of your plan. Will your children be attending college? What is your retirement age? Do you expect to switch careers in the near future? Are you planning on downsizing? Those are just a few questions to get you thinking as […]
Roth vs. Traditional IRA 8 Important Comparisons Deciding which retirement account type may fit your needs is an important step in retirement planning. The comparisons below provide an overview of the differences between the Traditional and Roth IRAs which may be a good resource for you. Remember…the Contribution Deadline for the 2013 Tax Year is […]
We all know that the U.S. Government is $17 trillion in debt and has made trillions of dollars in Entitlement promises for which it has no money to pay. Forgive me if I don’t trust politicians not to come after my hard earned income and savings with new or higher taxes in the future to […]
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- 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...