photo credit: Rich Anderson “I believed, so I said, ‘I am completely ruined!’” (Psalm 116:10 NCV). How has this economy affected you? Did your portfolio plummet just when you were ready to retire? Did the business you built through years of diligence go under? Did your hours get cut or did you lose your job? […]
True Confessions: I Bounced a Check
Yes, I am a financial counselor and yes I bounced a check. When I shared this embarrassment with a client, he leaned back, smiled broadly and exclaimed, “Joe, that’s wonderful. This is something I can relate to! You should share this with all of your clients.” OK Randy. How about the entire blogosphere? This is […]
Good Questions on $8,000 First Time Homebuyer Credit
photo credit: Ruth L “Do I qualify if my wife was sole owner of our last house?” “Can I get my $8,000 now?” I was recently asked the above questions about the $8,000 tax credit provided in the American Recovery and Reinvestment Act of 2009. In case you are not familiar with this act, here […]
My Decision to Start Social Security Benefits Early
I had planned to hold off drawing my Social Security benefits until I was full retirement age, but things changed and I signed up two months ago at age 62 ½. Am I wishy-washy? Do I lack backbone? Well, maybe, but let me explain. Some of you may be going through the same struggle and, […]
Is a College Degree Necessary For Success?
Quick: What do Bill Gates, Richard Branson and Michael Dell have in common? All billionaires? Right. What else? Would you believe that none of them graduated from college? In fact, they have a combined four years of college. And none of them gained their riches from family connections. They worked and made it happen on […]
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