For starters, if you’ve been anywhere other than Texas this week – that’s a good thing. To me, the thought of freezing cold and no water or heat for 4 days is beyond misery. After all, I’m known for three layers of clothes when I golf if it is [...]
The Holiday season has begun . . . but it feels completely different. The Pandemic has put fear regarding our health and economic future center stage at the time we want to be sharing the joy of the season with each other. Depression and mental fatigue are wearing on [...]
There are a number of questions I get asked about Credit Cards – but the two most common are, “What if they take away my Available Credit?” and “What about my Credit Score?” Let’s tackle both of these. The “Available Credit” question stems from a combination of two concerns. [...]
These are difficult times and we face difficult decision. What if you are drawing unemployment at the Federal and State level – taking home $700 – just shy of $1,000 per week -- your employer calls you back to work – must you go? The answer is not entirely [...]
Well we’ve made it to the end of another year. Thank goodness for that! The last week has certainly been rocky – watching the Dow move up and down like a super ball! (I hope you remember the super ball days!). So, what’s ahead? I can’t predict whether GDP [...]
Yes, the jobs report on Friday was strong, along with wage growth. Does this mean we’re all doing well? Making more than we are spending, saving the excess and watching our 401k and IRAs grow? For some, the answer is yes. For others, it’s not that easy. On October [...]
We all hear it from time to time: someone complaining that whatever project they were working on faltered and certain aspects came up short. True... things don’t always go right and sometimes it is the fault of others that causes failure. On the other hand, while we often would like [...]
Meet Betty and Fred. They are 70 and 71, respectively. They own their home that has returned to limited equity of $25,000 following the financial crisis. Their mortgage payment is $1,500 per month and their car payment is $375. In addition, they have $60,000 of credit card debt that [...]
