The Dangers of Borrowing Against Your 401K

Personal Finance

The Dangers of Borrowing Against Your 401K

The Dangers of Borrowing Against Your 401K

According to a recent TIAA-CREF survey, almost one in three Americans borrow against their employee retirement plans at one time or another. That must mean it’s a smart move…right? Wrong. As you’ll see, borrowing money from your 401(k) or other retirement plan at work can be one of the very worst financial moves you can… Read More

Is It Time for You to Retire?

Personal Finance

Is It Time for You to Retire?

Is It Time for You to Retire?

Retiring can be a frightening subject. Where is the income going to come from once you pull the plug? How much will you need? How will you spend your days? These are all important questions you have to address. But what if you don’t have the answers? The last thing you want to do is… Read More

5 Ways to Find Money in Your Budget

Personal Finance

5 Ways to Find Money in Your Budget

5 Ways to Find Money in Your Budget

If you are really serious about taking your financial situation to the next level, start by taking a good hard look at what you spend on average each month. That’s because you have more control over your spending than any other part of your financial life. No matter how much money you make, if your… Read More

5 Budgeting Mistakes Most People Make

Personal Finance

5 Budgeting Mistakes Most People Make

5 Budgeting Mistakes Most People Make

Some people take budgeting very seriously. They budget their money down to the very last cent. Others ignore the subject completely and don’t even bother to look at the big picture every now and then. Regardless of the camp you’re in, there are five budgeting boo-boos that most people make — and they are big…. Read More

5 Smart Ways to Save Big on Life Insurance

Personal Finance

5 Smart Ways to Save Big on Life Insurance

5 Smart Ways to Save Big on Life Insurance

Life insurance changed my life. Before I graduated high school, both of my parents died. They had a tiny bit of life insurance.  Fortunately it was enough to send me and my siblings to college. Without that coverage I don’t know where I would be today. I’m also a financial adviser and much of what… Read More

5 Mistakes Beginner Investors Make

Personal Finance

5 Mistakes Beginner Investors Make

5 Mistakes Beginner Investors Make

If you are just starting your investing career, you might be anxious about making mistakes. Don’t feel bad about that.  It’s wise to be anxious if you are new to finance. The good news is that there are really only 5 major mistakes that newbies make and it’s very easy to avoid those errors —… Read More

How to Buy a House Without Using a Bank

Mortgages

How to Buy a House Without Using a Bank

How to Buy a House Without Using a Bank

As you probably already know, it can be almost impossible to obtain a bank mortgage with bad credit.  If you otherwise can’t get a loan because you have a troubled credit history, one alternative to a traditional bank mortgage is to obtain one from the seller.  Seller financing has its benefits, as well as its… Read More

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