Looking Back to Move Forward
Now that the holiday decorations are packed up for the season, many of my clients are looking at their 2018 financial goals. A great place to start is to look back to your personal finance accomplishments from 2017. It does two things. First, it allows you to celebrate your financial wins and acknowledge the hard work that went into achieving your goals. Second, it calibrates your mindset into what and how you’ll work towards a new set of financial goals.
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Ringing In the New Year
We’re just days away from ringing in the new year! It’s that time of year for resolutions… get in shape, tackle a cluttered garage, eat better, etc. In my work as a Daily Money Manager, I hear all sorts of Financial New Year’s Resolutions. Here are some of my favorites as well as practical advice on how to achieve them.
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For many of us, communal living conjures up images of the sixties… complete with fringed jackets and love beads. With memories of the economic meltdown during The Great Recession (2007 to 2012), many of us wonder if we’ll have the financial cushion needed to retire comfortably. Some of my clients are exploring their housing options as they age. Communal retirement living may just be the answer to that financial question.
Read More “Communal Retirement Living… No Love Beads Required”
Daylight Savings Time is officially behind us and we’re gearing up for chillier (and hopefully rainy) weather. With our moderate climate in the Bay Area, it’s common that my clients get used to lower-than-average utility bills through the summer and early fall. If your heating bills skyrocket during the winter, let’s explore ways to save.
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Can you believe it’s November already?! Black Friday, Cyber Monday and Giving Tuesday are just around the corner.
For those on a budget or have limited time for the daze of holiday shopping, here are a few financial tips to give you more cookie dough in your wallet and remain on Santa’s nice list.
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The fires in Sonoma and Napa Counties are a sad reminder of how quickly disaster can strike. If you’re a homeowner and haven’t looked at your insurance policy lately, now is the time. It’s time to get reacquainted with what’s covered, what’s not, and how to balance the cost and benefits.
Read More “Home Insurance, Disaster Protection & Annual Reviews”
Between Equifax and the Yahoo breaches, millions of Americans and billions of accounts were exposed. Rather than rant and rave about how security violations happen, I’d like to focus on how to take control. Given the laws of probability, we all experience some kind of fraud or exposure. Many of the tips shared below I’ve done, or we’ve helped clients straighten out the messes caused by fraudulent activity.
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A Lifetime of Memories & Accumulation
As a follow-up to my Estate Planning: Fairness & Entitlemania article, I wanted to touch upon what happens to our parent’s earthly belongings once they pass. This topic hits particularly close to home since I lost my father last year. The process of going through a loved one’s stuff is hard. Beyond the emotions of sorting through a lifetime’s worth of memories, there’s the reality of how to dispose of the “stuff.” Here’s what I learned in my journey.
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Love Is Ageless, Not Necessarily Priceless
Over 2 million Americans get married every year. And many of those newlyweds have a few grey hairs ;). According to Pew Research, divorce rates have climbed for those 50+. It’s becoming so common with Baby Boomers, there’s a new term for it… “grey divorce.” Before you say “I do” or “I don’t,” let’s explore the myths and money tips for those of us who are more “seasoned.”
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Talk to any daily money manager, financial advisor or CPA, and we all agree that having a current estate plan is a must, especially if you own real estate. But there’s an underbelly to estate planning that many don’t like to discuss. Family squabbles. Hurt feelings. Broken relationships. You can help your survivors and beneficiaries now by managing emotions and expectations before it’s too late.
Read More “Estate Planning: Fairness & “Entitlemania””