What does a -1.62% decline in the S&P on September 25th tell you?
September 26, 2014  | By Kevin Smith

It seems that whenever the daily price change of the stock market exceeds plus or minus 1%, the news headlines provide us with an indication that we should panic or rejoice. As you can see in the chart of daily…Read More

What do insurance companies invest in?
September 24, 2014  | By Kevin Smith

It is important to keep in mind what insurance companies are actually investing in when considering the features of annuities and cash value life insurance contracts. According to a paper published by the Federal Reserve Bank of Chicago in April…Read More

Are you ready to retire?
September 19, 2014  | By Kevin Smith

Here are some questions to ask yourself when deciding whether or not you are ready to retire. Is your nest egg adequate? It’s obvious, but the earlier you retire, the less time you’ll have to save, and the more years…Read More

What factors could negatively impact my credit report?
September 18, 2014  | By Kevin Smith

Having a good credit report is important when it comes to personal finance, because most lenders use credit reports to evaluate the creditworthiness of a potential borrower. Borrowers with good credit are presumed to be more creditworthy and may find…Read More

10 Basic Tax To-Dos for the Rest of 2014
September 3, 2014  | By Kevin Smith

Here are 10 things to consider as you weigh potential tax moves between now and the end of the year. 1. Make time to plan Effective planning requires that you have a good understanding of your current tax situation, as…Read More

Some Things to Consider about Gifts to Children
September 3, 2014  | By Kevin Smith

If you make significant gifts to your children or someone else’s children, or if someone else makes gifts to your children, there are a number of things for you to consider. Transfers that are not taxable gifts There are a…Read More