Pay Yourself First: What to Do When You Receive a Raise
February 26, 2024  | By David Lowe

Many companies conduct performance reviews and announce employee pay raises toward the end of February or in March. As a smart, creative go-getter, you most likely have great news on the way! But how do you put your higher pay…Read More

What to Do With a Lump Sum of Cash?
September 4, 2023  | By Kevin Smith

Having a pile of cash in the bank is usually a good thing, but it requires some stressful decision making. How much can we spend (YOLO!)? How much should we save? What about taxes? Should we pay down our mortgage?…Read More

Legal Documents for Young Adults
July 29, 2023  | By Manisha Gupta

  Did your son or daughter just turn 18? Chances are that they are about to start college and are looking forward to this exciting phase of life. You might not feel your child is fully grown and that they…Read More

Netflix “How to Get Rich” Insights
May 9, 2023  | By David Lowe

What can Netflix teach us about our money? You may be surprised how relevant the lessons can be. In his new documentary series “How to Get Rich,” financial podcast host Ramit Sethi highlights the importance of developing a plan for…Read More

Inflation and Your Cash Flow
November 15, 2022  | By Kevin Smith

The combination of high price inflation, higher interest rates, and a stock market recession is rippling through household budgets across the world. The impact varies quite a bit depending on sources of income, debt levels, property ownership, insurance coverage and…Read More

Stepping Up Your Password Security
August 26, 2021  | By Kevin Smith

After seeing a friend recently hacked to the tune of $30,000+, I decided to step up my personal data security game. Here is what I learned, and what changes I am making. All traditional financial accounts like bank accounts and…Read More

Recession Risk by Life Stages
April 23, 2020  | By Kevin Smith

Early to Mid Career Income risk Younger executives and professionals in the process of establishing careers may be at higher risk of income loss, which can come in the form of reduced base pay, lower bonuses or layoffs. 30% rule…Read More

New Financial Planning Software
February 5, 2019  | By Kevin Smith

Financial planning just got better with the addition of RightCapital, a fresh new cloud-based program for organizing financial information and visualizing financial concepts. We have been using eMoney for almost 10 years, waiting for a competitor to develop a better…Read More

Modern budgets
December 6, 2018  | By Kevin Smith

A tiny fraction of the population loves budgeting and has years of spending data stored in Excel models. The rest of us would rather scrub grout between bathroom tiles. Using a budget is how to make financial progress on purpose….Read More

Am I liable for unauthorized transactions on my debit card?
April 21, 2015  | By Kevin Smith

It depends. Federal law provides consumers with protection against most unauthorized credit- and debit-card transactions. Under federal law, consumer liability for unauthorized credit-card transactions is limited to $50. However, many banks and credit-card companies offer even more protection for credit…Read More