by Dave Conley on August 25, 2023.
What is in a simple Estate Plan? If you’re like most people, with a few kids and a house, you only need a will. You can use an online service like www.freewill.com or www.mamabearlegalforms.com. The most common option is to meet with a local lawyer to help you discuss and setup the three documents needed...
by Randy Chalmers on August 18, 2023.
Let’s tackle a topic that has been on many investors’ minds in the last few years, and has prompted more than just a few blog postings. Being worried during market downturns is understandable and NORMAL; but I want to emphasize the importance of viewing investing as a long-term endeavor, and how to avoid (and why...
by Dave Conley on August 11, 2023.
Estate planning is just a fancy legal-ish word for what you want to happen to your money and stuff when you die or become disabled.
by Randy Chalmers on August 11, 2023.
We’ve blogged about responsible credit card usage, calculations used to determine minimum payments, and other points on credit cards. This week we’ll discuss some common “tips” you may receive from friends and family about credit cards. Myth #1 Paying the minimum balance is ok Sure, paying the minimum due is acceptable and it’s actually welcomed...
by Randy Chalmers on July 14, 2023.
Do you know what percentage of income your mortgage payment is? Your car loan? Do you set debt targets? Debt targets are not a new concept, however, in my opinion, they are not discussed nearly enough with individuals of all stages of life. When you bought your first house did you aim for your mortgage...
by Randy Chalmers on July 7, 2023.
You’re saving just the right amount in order for your family to afford the necessities plus a little extra in retirement. We all dream of retirement sitting on our porch with our favorite beverage as the sun is going down, but what about the day leading up to that peaceful evening? Have you included your...
by Dave Conley on July 3, 2023.
What is American Exceptionalism? There is no other country in the world that represents the blend of classical philosophy, Christianity, and even Enlightenment ideas in the way America did in the founding of the republic from 1776 to 1789. It was an exceptional (meaning uncommon) mixture of liberty, limited government, natural rights, and religious liberty...
by Dave Conley on June 16, 2023.
If you have wondered: When should I start my Social Security ? Age 62... 67 or wait until 70 . What is the difference in benefits at the different ages ? I have heard that it is best to start as early as possible in case you don't live very long. If I start early how much can I earn before being penalized by Social Security ? Can I collect based on my spouse (or ex-spouse) earnings history?
by Dave Conley on June 6, 2023.
What determines the amount of your Social Security benefit? How to determine what your benefits? The mistake over 40% of all retirees make when starting their Social Security.
by Randy Chalmers on June 2, 2023.
I know I’m not alone in this, and occasionally you and your family are sitting around talking (and dreaming) about what you would do if you won the lottery. As the purchases get discussed, the topic arises of how you would take the money, in a lump sum, or as an annual payment over the...