Millennials & Relationship with Money

Money Bankroll: Millennials Attitude Toward Money?According to a study by Forbes and Elite Daily, Millennials are coming into their own. This demographic comprises 80 Million Americans, a fourth of our entire population. They wield $200 billion in annual buying power. Many of my clients fall into this group and I find they embody many characteristics that I admire. It got me thinking about this generation — dubbed the Me Me Me Generation and the Next Greatest Generation — and their habits and attitude about money.  My research led me to have an interesting conversation with my 21-year old son.

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Managing Credit Utilization

What’s Real and What’s Not

Hot credit: credit utilization gone overboard?Here in Silicon Valley things are booming. Our economy is experiencing growth. Home prices are surpassing historical records and the unemployment rate is low. You can see the frenetic energy every day — clogged freeways and expressways during our daily commutes and workers spending long hours tied to their desks.

With our economic upswing, are we using our financial success to pay down debt and use our credit wisely?

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Do You Need Cyber Insurance?

Proud-LockA lot of my client work involves working with online banking apps and managing financial reports that I share electronically with other professionals like CPAs, financial advisors and estate attorneys. I’m a stickler for security and was curious about cyber insurance and if it was something my clients should have.

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Your Life, Your Digital Assets

A Night on the TilesWith the explosive use of technology in the last twenty years, how we manage our lives has dramatically changed. When taking stock of their finances, my clients are often surprised at how scattered and complicated their digital assets can be. Continue reading

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What’s the Difference between a Daily Money Manager & Fiduciary?

MoneyAs a daily money manager I get that question a lot. Both provide important financial-related services to their clients. Both have professional distinctions. Both hold positions of trust. So what’s the difference? I’ll happily explain the differences as well as the circumstances when we work together.
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Technology Scams Targeted at Seniors

Online FraudA computer connected to the Internet can be a lifeline for seniors. It’s a way to stay connected to their families as well as their finances. Unfortunately seniors are often targets for scam artists hoping to prey on their ignorance in managing their technology.  I recently helped a client clean up the mess following a tech support incident. Hopefully the lessons we learned can help you or a loved one avoid falling victim to this type of scheme.

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Using Technology for Credit Card Safety in the Holidays

Happy HolidaysNow that Black Friday, Small Business Saturday, Cyber Money and Giving Tuesday are over (!), your credit cards may have had a quite a workout. Over the years I find that the holidays can be a hectic time, filled with a flurry of transactions, paper receipts… and opportunity for fraud. Let me share some tips in keeping your credit cards and identity safe this holiday season.

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Banishing Paper Clutter Forever

bookkeepingI know that’s a bold statement. Yet, I believe you can really banish paper clutter forever… if you follow a few simple principles.

Knowing that I help clients who struggle with paper — bills, important documents, and the like — a good friend recommended this book to me: The Life-Changing Magic of Tidying Up by Marie Kondo. “Life changing… you’ve got to be kidding me? is what I was secretly thinking.” Then I read it. And I know it’s possible.
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2014 52-Week Saving Challenge

Day One of 3662014 is right around the corner. Hopefully you’re keeping to your holiday budget to avoid the New Year’s credit card hangover. In preparation of the New Year, I’d like to share a 52-week money challenge. It was originally posted on SavingABuck.com in January 2013. I love it so much that I’m sharing it with you.

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Holiday Financial Tips

That Have Nothing to do with Budgeting

Mr GrinchBlack Friday is behind us, and the shopping frenzy has started. By now (hopefully) you have a spending plan for your gift giving this season. Whether you are braving the malls or online retail shopping carts, I have several financial tips to keep your financial identity safe this season.

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