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Category Archives: Family

Protection Against Elder Financial Abuse

We are becoming more familiar with the notion of financial abuse targeting elders – scams and other exploitation targeting the savings of people aged 60 and older – but many may think, “it won’t happen to my family” or “my … Continue reading

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Switching Jobs and Your 401(k)

Ready to quit your present job and grab an exciting offer from a top-notch company? Great! You’re all set to make a fresh start in your career. But what will you do with your old 401K account? You need to … Continue reading

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How Much Home Can You Afford?

Does buying a home make sense for you financially? It may or may not, depending on some financial, career, and lifestyle factors. Your savings, credit, salary, level of disposable income, and your housing preferences all count. If you are serious … Continue reading

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Social Security – Myths or Facts?

Some myths & misconceptions keep circulating about Social Security. These are worth dispelling as more and more baby boomers are becoming eligible for their retirement benefits. Myth #1: Social Security will go away before you do. The federal government has announced … Continue reading

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College Costs that Slip the Mind

Yes, that last year of high school has just ended with a celebration called graduation. Proud parents and families throw parties and the graduate receives many gifts and cards. The relieved graduate wants nothing more than to sleep in late … Continue reading

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Co-Signing: Good or Bad Idea?

It’s not hard to recall many heartbreaking stories of family or friends who have agreed to co-sign some sort of loan and then find themselves on the short end. Just think about it, the only reason a lender asks for … Continue reading

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Personal Bankruptcy Explained

No matter the reason, personal debt problems can be devastating. They can lead to depression, feelings of guilt, shame, anxiety, and problems with relationships. Also, these debt issues often result in individuals feeling the need to hide and even lie … Continue reading

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Children and Allowances

Through the years, any variety of theories have been put forth and argued regarding financial allowances for children.  But two approaches seem to have emerged and become the “norms” over the past decade or so. Although many parents do not … Continue reading

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Why Couples Disagree About Money

If you’ve ever been in any kind of relationship, whether dating, living together, or married, chances are you have experienced differences with that other person about money. It’s an age-old problem and it rates high on reasons why couples seek … Continue reading

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Living Cheaper as a Retiree

When I retired a bit earlier than expected last year, I realized I was making a decision to also accept a new lifestyle due to a significant cut in my income. I had also made a decision to retire near … Continue reading

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Vacation or Staycation?

Everyone needs time away now and then – from work, school, people, and even from responsibility. Traditionally, families look forward to these times to have the chance to discover, relax, and to engage in activities that aren’t typical day-to-day events. … Continue reading

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Protection from Creditors

When you find yourself in a scenario that you must deal with debt collectors, these seven tips will help you out: 1.Ensure it’s your debt Be careful when answering calls from debt collectors. You might get calls that aren’t made … Continue reading

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Coping with the Loss of a Loved One

Coping with the Loss of Your Spouse and its Financial Impact Losing a spouse is a stressful transition. And the added pressure of having to settle the estate and organize finances can be overwhelming. Fortunately, there are steps you can … Continue reading

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The Curious Case of Good Debt vs. Bad Debt

“Good debt is a powerful tool but a bad debt can kill you.” Before you knock the door of a bank or a credit card company, it’s essential to know the basic difference between good debts and bad debts. Some … Continue reading

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Harassment from Debt Collectors

Harassment from debt collectors can come in a variety of ways. There are laws set by the Fair Debt Collection Practices Act (FDCPA) that debt collectors are supposed to abide by, but some don’t. It is important when dealing with … Continue reading

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Financial Coaching or Financial Planning?

Most consumers realize at some point in time that there are questions about money that aren’t an inherent or learned part of knowledge and skills. Unless a family member, teacher, friend, or other resource took the time and had the … Continue reading

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The True Cost of Taking a Break

Every one of us looks forward to taking a break from our routines sooner or later. Whether it’s to visit family or friends over a holiday, a weekend trip to the mountains to ski, or a kid-cation to one of … Continue reading

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Teaching Your Kids About Money

I recall from my life as a young teen that, after spending most of my years fully ignorant of the money our family had or frankly worrying about it at all, my mother made it clear to me and my … Continue reading

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DIY Family Style

At a time when just about everyone in the household who can work goes to their job every day, maybe it’s time to consider doing some of the tasks around the house that we have been paying someone else to … Continue reading

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Real Cost of Home Improvements

Buying a home is a big decision and an even bigger investment. For many, purchasing a home will be their largest financial transaction in addition to becoming the most valuable asset they own. While some buyers look for “move in … Continue reading

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Protecting Parents from Financial Abuse

News about financial elder abuse becoming more common nowadays. Whether it’s via phone, mail, internet, or even through direct interaction, vulnerable seniors are being targeted frequently.  We often think that such a thing won’t happen with our parents or feel … Continue reading

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Turn Off the Lights

Although there are many ways to curb household expenses, one of the areas that often gets the least consistent attention is the use of utilities and the associated costs. Often it’s as easy as remembering to turn off lights as … Continue reading

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Save on THIS in January

Every year, many experts publish articles and lists of items that go on sale big time throughout the year. We as consumers often purchase goods as we think we need or want them, and not always when it’s best for … Continue reading

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Last Year’s Money Diet Resolution

The year is almost over and it’s time to take stock of where you’ve been and what still needs to be accomplished through the remainder of the year. More than likely you made a New Year’s resolution related to your … Continue reading

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Childhood Lessons from Holiday Shopping

A long time ago while raising a 7 year old alone, I decided it was time for yet another money activity and learning opportunity for my son. Fortunately I had opened what used to be called a “Christmas Club Savings … Continue reading

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