Money Management

For nearly three decades as a financial planner, I’ve learned that the most dangerous number in your portfolio isn't a market downturn. It's financial advisor fee's you don't understand. A simple 1% AUM fee on a $500,000 portfolio doesn't sound like much. But do the math: over 20 years with 6%...

Are you fed up with traditional budgets that seem designed to suck the joy out of life? You're not alone. In fact, according to a Nerdwallet study startling 84% of people who try strict budgeting, spend more than they budgeted anyway. The good news? There's a better way to...

Tired of pulling out the same boring plastic card as everyone else? Discover now lets you personalize your credit card with over 137 free designs—from nostalgic boomboxes to NHL team logos—without changing your account number or paying a single fee. Unlike competitors who charge $5–50 for metal or custom cards,...

Routing numbers are like special codes used in money matters. They help find banks and credit unions. But do all these codes have to be exactly nine numbers? Are all bank routing numbers 9 digits? This article wants to make things easier to understand about routing numbers. It will talk...

After nearly 30 years of helping clients set up their financial lives, I've seen how a simple 9 digit number can cause major headaches. A wrong routing number can mean a delayed paycheck, a missed bill payment, or a rejected tax refund. Let's clear up all the confusion about...

Reverse mortgages allow older homeowners to tap into their home equity without having to make monthly mortgage payments. But what happens when you want to get out of a reverse mortgage loan? This comprehensive guide will walk you through the ins and outs of repaying a reverse mortgage, alternatives...

Most people think their net worth is just a score. That their net worth statement is a number that tells them if they’re winning or losing at money. They’re wrong. Learning how to calculate net worth isn't just about math; it's like getting a financial X-ray. It reveals the hidden strengths...

Are you dreaming of starting your own business but don't have any money to get it off the ground? Don't worry, because it is possible to get a loan for startup business even with limited funds. But if course, you are wondering about how to get a startup business...

Every business reaches crucial junctures where a bit of financial fuel can make all the difference. Maybe you spot an ideal new location but need working capital to cover the lease deposit and renovations. Or perhaps you have a once-in-a-lifetime opportunity to purchase game-changing equipment at a discount. When pressing needs...

The average car buyer pays $2,300 more than they should because they don't understand the dealer's cost structure. Over 30 years as a financial planner, I watched clients make this mistake repeatedly. The gap isn't about car price negotiation skills. It's about information asymmetry. You must know the dealer's...