Rethinking Money, Not as Good or Bad but as a Tool

It’s America Saves Week, an annual event put on by America Saves and the American Savings Education Council to promote good savings behavior and encourage individuals to evaluate how they use their resources.  The week coincides with the organization’s release of it’s annual survey results, which this year showed an increase in the number of Americans who reported saving at least 5% of their income from 47% to 52%.  It also showed that an overwhelming majority of those who had done some kind of financial planning around their savings and other financial goals… [read more]
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Protect Yourself

The recent hacking of Anthem Insurance along with the prior breach of Target, Home Depot, Michael’sJP Morgan and others has shaken everyone’s sense of security.  The increase of data collection and sharing in our society make it virtually impossible to remove our personal financial information from view, so we need to know how to protect ourselves from the misuse of it instead. When police officers spoke with our clients in the past about identity theft at our Lunch & Learn programs, the primary resource used by thieves was credit card offers… [read more]
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The Opposite of Spoiled

Dad, are we rich or poor? Ok, I’m a financial planner.  I’m educated and equipped to handle most every area of personal finance.  I help people every day with issues ranging from technical to psychological to behavioral in how we deal with our resources, money and our lives.  I can certainly handle a simple question from my daughter about money. What I failed to realize at the time.  The question had nothing to do with money. We regularly talk with people about education and personal finance.  This includes lessons about spending within our means, how… [read more]
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Drop that pen! When no-sign is better than co-sign.

If you have ever received a stack of paperwork from TAAG, you are familiar with the little red flag stickers we put next to the lines that require your signature.  Before we put those documents in front of you, we do our best to ensure that you are fully aware of what you are signing.  Unfortunately, there are many times you are asked to sign things for which the consequences aren’t as clear.  We see this often when folks are asked to co-sign for a loan.  There is something about the pre-fix “co” that seems… [read more]
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