May 19, 2017
Bankruptcy. It’s a word that evokes a lot of different emotions and responses. “It’s a cheap way to get out of debt.” “Or perhaps it’s the fresh start someone needs.” “But if they hadn’t gotten themselves into debt in the first place.” “Then again, they didn’t choose to get sick and end up with the medical bills they have.” “I pay my bills so why can’t they?” “I can’t pay my bills so what’s wrong with me?”
The comments could go back and forth for ever and certainly have since the advent of bankruptcy. In reality, bankruptcy is not the right answer for everyone, but it may be the best option for some. It’s not always an easy choice to make. Read the rest of this entry »
May 4, 2017
You want to buy a home? Have you looked at prices lately!? Do you know how much you need for a down payment!?! You’ve got to be crazy!!! There is no way you can come up with THAT MUCH money right now. I mean, come on. Don’t you need like 20% down for a house? That’s got to be like $50,000-$60,000 with where homes are priced. Buying a home just is NOT an option for you right now. Right?
WRONG. Well, maybe it isn’t the right time for you to be buying a home right now. But the premises above are probably not going to be what holds you back. Let’s talk about why. Read the rest of this entry »
April 20, 2017
Tired of renting? Tired of the landlord? Tired of the crazy neighbors doing who knows what and all kinds of hours? Tired of nothing but white walls in your living space? Tired of someone else parking in your parking space? Tired of paying every month and getting nothing (except maybe part of your deposit) back when you move? Perhaps it’s time to move out of your parents’ house…..
OK, so this probably isn’t your parents’ house anymore. But it may still be time to move on. Perhaps it’s time to look at buying your own home. As our clients consider a home purchase, one of the most frightening issues they face is determining exactly how much they should spend on a home. Read the rest of this entry »
March 23, 2017
As I write this, I have to admit that things aren’t quite right in my world. My attention is wandering. My head feels like it is bouncing around like a balloon at the end of a string. The letters on my computer screen might even be dancing just a little for me. We can pick things up from our close friends and family like phrases, ticks, and habits. I’m blaming this one on my wife. My world is not right and it’s all HER fault! Read the rest of this entry »
March 17, 2017
You’ve gotta love the store credit cards. They are so easy to get. You just fill out one little part of a tri-fold brochure, invest all of five minutes, and boom! You have a credit card to use every visit you make. But that’s not the best part. The best part? The discounts.
“Sign up today and get 20% off your purchase!”
“Sign up today and get 5% off purchases every time you come back!”
“Sign up today and receive EXCLUSIVE offers and discounts!”
I decided to write today based on a question I got from a participant in one of our classes. They had signed up for the credit card to get the big discount. But it was a one-time purchase and they don’t ever plan to go back to that store, let alone use the credit card. So now what? What do you do with the card? Cancel it? Keep it? Now what? Read the rest of this entry »
January 12, 2017
How was Christmas? Did you have a good holiday? More importantly, did you make everyone else’s Christmas great? Perhaps you did, but now you are left in the doldrums of January. It’s rough. All of the expenses of the holidays are now coming due as the credit card bills come in. But, hey. That’s the benefit of using a credit card, right? You get time to pay that sucker off.
Uh, let’s talk about that plan. Read the rest of this entry »