It is time for a new phone. It is? I have not learned to use many of the features my current phone. This phone still works fine. I will have to spend time learning the features and operations of a new phone — that is time I could spend with my family or reading a [...]
Archive for November, 2011
Time for Your Free Upgrade
Posted in Goals, tagged budgeting, debt, finances, fixed expenses, goal, impulse purchases, upgrade on November 9, 2011 | Leave a Comment »
Money Resolutions
Posted in Goals, tagged contribution limit, defined contribution plan, financial foundation, financial plan, goals, money, money resolutions, resolutions, Retirement, Savings on November 4, 2011 | Leave a Comment »
We are getting toward that time of the year again where we start to reflect on the events of the past year and look forward to the opportunities ahead. Instead of waiting for the traditional day to initiate a new set of New Year’s resolutions, stop procrastinating and start one or two a little early. [...]
Christmas is Only One Day of the Year
Posted in Spending, tagged credit card debt, finance, financial health, gifts, holiday spending, overspending on November 3, 2011 | Leave a Comment »
In a recent phone conference with a client, I learned that “George” and his wife “Kay” were at wits end. They felt financially strangled, trying to come up with enough cash to pay the bills. Since our last meeting, the hot water tank broke down, Kay’s car needed major repairs, and the dishwasher was ready for the [...]
Can You Refinance Your Underwater Mortgage?
Posted in Home Ownership, tagged equity, homeowners, loans, mortgages, refinance, The Home Affordable Refinance Program, underwater on November 1, 2011 | 6 Comments »
On October 24th President Obama announced a new plan to help borrowers refinance their existing mortgages to new loans with lower interest rates and cheaper monthly payments. The plan is an expansion of the current program called HARP, The Home Affordable Refinance Program initiated in 2009 to let homeowners refinance their mortgages to lower rates. [...]