My Experience is Your Gain

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How To Outsmart the Bank

We have all seen the offers with introductory rates or free trial periods. They are available for various products including credit cards, cable television and online shopping websites. Banks make offers to open a new credit card with a 0% introductory Annual Percentage Rate (APR) for one year. There are also offers to transfer the […]

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Where’s My Money?

The principles for borrowing money from someone you know are the same as the principles for borrowing money from a bank. You ask for a loan, they give you the money, and you pay them back – when you said you would. The person you know and the bank both hope it will go in […]

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We’re Running a Special Today!

In my opinion, there are two types of Bankers, Relationship Oriented and Sales Oriented. If I asked you which one you would choose, most of you would probably say “Relationship Oriented.” Who wouldn’t want a Relationship over Sales? It even sounds better. Sales Oriented Bankers know that, so many of them put on a disguise […]

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Identity Violation

To say that identity theft is rampant is an understatement. Reports of personal information breaches have become common place in the last few years. Many have suffered the pain and fear of having their personal information stolen, including yours truly. Despite the efforts to protect my personal information, intruders have gotten hold of my personal […]

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Be Prepared for the Unexpected

One of the first things I advise my clients to do after setting up their budgets is to make sure they have an Emergency Fund. This is to make sure they are prepared for the unexpected such as car break downs, medical bills, appliance mishaps, etc. We can expect these things to happen whether we […]

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Personal Credit Matters for Your Small Business

One of the biggest weaknesses of Small Business Owners is poor money management. Running almost neck and neck with poor money management is the lack of financial education. Financial education is important for consumers and equally as important for Small Business Owners. Over the years I have met so many talented people. They have a […]

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$500 Today or a Penny Today…?

Often when I do Financial Education workshops, I will start off with an ice breaker to get the attendees engaged and thinking about the subject matter I am about to present. I enjoy using a particular ice breaker that has to do with choices. I put a slide from a PowerPoint presentation on the screen […]

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Free Money for Retirement

Retirement is right around the corner for many people, but unfortunately they are not financially prepared to stop working. The thought of retirement has become a dream or a risky proposition instead of a reward for all the years they spent working. Retirement is 25, 30, or 40 years away for many other people, and […]

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You Don’t Have to Fear Ownership

Albert Einstein said, “Compound interest is the most powerful force in the universe.” Click here to see a great example of this statement. I would agree that compound interest is a very powerful force. It is truly powerful when your money makes more money and more money based on the interest rate you get. Unless […]

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Start Saving Now or Risk Paying over 150% A.P.R. Later!

Many people say they do not know how to save or that they do not make enough money to save. This is evident by the fact that half of Americans have less than $1,000 in savings. A lot of these same individuals find themselves in a bind when an unexpected event takes place such as […]

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