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Archive for February, 2010

The Hidden Costs of Home Ownership

Posted in Home Ownership, tagged , , , , , , on February 12, 2010 | 1 Comment »

As I work with young professionals a common goal is home ownership. Everybody’s heard the common refrains of “renting is throwing your money away” and “mortgage interest is deductible” but there is a lot that is often not considered when looking at what will likely be your single largest purchase. Owning a house costs more than [...]

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Annual Fiscal: Retirement Planning

Posted in Banking, Education, Investments, Retirement, Savings, tagged , , on February 10, 2010 | Leave a Comment »

Annamaria Lusardi, the Joel Z. and Susan Hyatt professor of economics at Dartmouth College and a research associate at the National Bureau of Economic Research, recently wrote a blog about the need for a fiscal checkup. Lusardi points out that many people have used some recent “negative shocks” to make adjustments in their finances. She asks, [...]

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Investors Have Never Had It So Good

Posted in Investments, tagged , , , , , on February 9, 2010 | Leave a Comment »

You say, “You can’t be serious!” Investors have just been through the worst stock market decline in nearly 100 years. More investors may have lost more money faster than ever before. I say, take the long view (investors should take the long view). Investors have never had it so good. What’s better for investors? Investing [...]

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Planning for Uncertainty

Posted in Credit/Debt, Disaster Planning, Education, Employment, Home Ownership, Retirement, Savings, Taxes, tagged , , , on February 8, 2010 | Leave a Comment »

One of the biggest problems with how we as a nation are addressing — or not addressing — present and future economic problems, such as the national debt, is the uncertainty it creates in your personal financial planning. There are always aspects of uncertainty, but with the level of today’s unknowns, planning decisions are much more [...]

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A Shorter, Cheaper (and Less Painful) Divorce?

Posted in Divorce, tagged , , on February 5, 2010 | 3 Comments »

In December, Brett Arends used his column in the Wall Street Journal to give Mrs. Tiger Woods some advice regarding how to deal with her husband’s philandering ways (WSJ, 12/11/09). Most of his advice was fairly typical (don’t rush to decisions, keep things private, etc.), but one of his recommendations was relatively new, because the [...]

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How to Prepare for That Disaster That May Happen One Day

Posted in Disaster Planning, tagged , , , , , , , , on February 4, 2010 | Leave a Comment »

Back in October I had a blog that talked about dealing with identity theft because of an article in the news about a noted federal official whose identity got stolen. Well, the news in the past few weeks has identified some other planning that we should all do in case of unexpected disasters, like an [...]

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It’s All in the Family

Posted in Credit/Debt, Education, Savings, tagged , , , on February 3, 2010 | Leave a Comment »

When planners work with families, a lot of storytelling goes on. The family tells their financial stories of how they got to this place in this time and planners will often share their own stories and anonymously, they may share the hard-won experience from other client cases. Every family is different and most of us [...]

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In Order to Form a More Perfect Union

Posted in Investments, Retirement, Savings, tagged , , , on February 1, 2010 | 4 Comments »

“We the people, in order to form a more perfect union…” These words, easily recognizable to most of us are found in the preamble to the Constitution of the United States. As I sit here and watch the first State of the Union Address by President Barack Obama, I can’t help but wonder if we [...]

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