Maximizing Your Tax Breaks – Part 1 Maximizing your tax breaks became such a long topic, that I decided to split it into two postings. Part 1 appears today. The second and final part of the post will appear tomorrow. We’re getting closer to when …
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CD’s Does your bank offer CD’s? What are they and should you buy them? CD’s, also known as Certificates of Deposit are usually offered by banks and credit unions. They’re savings options that are pretty low risk with a fixed interest rate. What’s nice is …
Read MoreEstate Planning Documents
Estate Planning Documents What kind of estate planning documents do you need and why do you need them? First and foremost, you need a Last Will and Testament. This document determines how your assets will be allocated after you die. It names someone, formally known …
Read MoreSpender vs. Saver
Spender vs. Saver Do you know the difference between a spender vs a saver? Which one are you? A spender or a saver. Personally, I’m a saver. Hubby used to be a spender. Now, he’s a saver. What are the characteristics of a spender? Spenders …
Read MoreCharity
Charity I give money to charity and so does my husband. We also volunteer as much as possible to help our religious organization. As I’ve mentioned in the past, I volunteer to help elderly and needly people do their taxes. I wrote my book to …
Read MoreFinancial Literacy
Financial Literacy What is financial literacy? It’s simply knowing enough about your money to be able to make intelligent choices. So, what exactly does that mean? The main factors of financial literacy include budgeting which I discuss a lot. Savings, especially an emergency fund as …
Read MoreReverse Mortgages
Reverse Mortgages I know you’ve all seen commercials for reverse mortgages and you may wonder if they’re for you? In my opinion, they’re not good for you. But then, if you’ve read my book or posts, you know I’m debt adverse. So, what exactly is …
Read MoreFinancial Planner
Financial Planner How do you find a financial planner? How did I find mine? I found mine through a referral from a friend. They told me they started later in life with him and he had done well for them. So, I made an appointment …
Read MoreInvesting Your Money
Investing Your Money In my book, I talk about how I had to learn about investing my money for my future. I tell a story about calling the investment service that had my meager retirement funds after my first husband died. He looked at what …
Read MoreSocial Security
Social Security Have you thought about taking social security early? A lot of people tell me that they’re going to take it as soon as they’re eligible at age 62. I tell them that’s the worst thing they could possibly do. They’re leaving a lot …
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