Personal Finance

It is a new year and it is time to get on top of your financial matters before 2015 gets here.  If you do not already have a New Year’s Resolution maybe you should make getting ahead on your [...]

Do you have a financial plan for 2014?  If not it is time to make one for yourself and your family.  How do you know where you will need to be if you do not have a financial plan?  This is a [...]

A few weeks ago I posted a rather long blog on annuities and here is a brief summary on what you need to know about annuities.  First let’s be honest and all agree pensions are a retirement tool [...]

Are you a grandparent? Do you want to leave an IRA to a grandchild? If so there are some methods that you need to follow to ensure that the full benefit of the IRA is passed on to your [...]

Are you ready for the end of the year where your finances are concerned?  Most of us really do not think about our finances on an annual basis but we need to for many different reasons.  Many [...]

Are you one of the millions of Americans with credit card debt?  Are you not able to pay off your card every month?  Are you barely able to keep up with your bills?  If you answered yes to any of [...]

I know this is a personal finance blog and I said I would not be political but this is not really a blog on politics or either political party but on taxes and working federal employees which I [...]

Does the sound of a tax free income appeal to you?  Then you need to definitely consider a ROTH IRA.  A ROTH IRA will grow not only tax deferred but actually with tax free growth.  And unlike a [...]

Do you have credit card debt?  Are you looking for an easy way to reduce your credit card debt?  If so you can employ a technique that is used for mortgages on your credit cards as well.  In [...]

What does it mean to defer your Social Security?  Do you benefit by delaying your Social Security payment?  Well there is no right or wrong answer for that as everyone’s situation is different [...]