Your credit score is a vital part of your financial wellbeing. The difference between good and bad credit is more than which way the arrow tips on the barometer; it’s the variance of a monthly payment on a line of credit. Lower credit scores are accompanied by higher interest rates, and therefore equate to larger […]
Over 25% of my clients are single adults or couples who are preparing for one spouse to live much longer than the other. I spend a significant amount of time assisting them with the unique issues they face. Like all of us, they want to wisely invest their money, mitigate taxes, take care of their […]
When it comes to the world of personal finance and borrowing money there are few numbers more important than your credit score. Credit scores are used by financial institutions to determine the likelihood of the borrowed funds to be paid back. Moreover, it is one of the biggest factors in determining the interest rate offered […]
At the start of last year, it was pretty hard to be excited about agricultural commodity markets. Not that they were bad but they sure weren’t good, and it was hard to project much more than breaking even on many farm budgets for 2021. Fast forward to today and prices have improved considerably…
For all the reasons that need not be rehashed in this space, 2020 has been a year that we’ll always remember. But even still, the calendar marches on toward cooler weather and the celebration of the winter holidays. Regardless of whether you choose to spend this time with loved ones in person or virtually, the holiday […]
2020 has been a crazy year. But with all that has happened in recent memory, there has been some good that has come during this pandemic. For me, this included celebrating my marriage in October to my college sweetheart, Joslyn. Even though it was all a blur, it was a wonderful day spent with friends and […]
In the age of COVID, customer service, account servicing, loan origination, and banking in general have all been re-evaluated to allow for the continued delivery of high-level, client-focused service without the necessity of a face-to-face meeting.
With cash purchases becoming less and less frequent thanks to the ubiquity of debit and credit cards, the practice of monitoring daily spending habits has become an increasingly important topic for many.
Some 401k participants are missing out on employer 401k matching contributions without even realizing it. This happens when the employer does not have a True Up feature in the 401k plan and the employee:
1. Does not maximize the employer match every pay period, or…
“It’s just like riding a bike.” When a skill comes naturally to us despite not using it for several years, we say “it’s just like riding a bike.” When we learn how to ride a bike as a child, it doesn’t matter how many years it has been, we always remember how to get back […]