With businesses closed, work hours reduced and jobs eliminated due to Covid-19, many people now find themselves in the grip of a financial crisis. Even before the pandemic, America had a savings and retirement problem. Statistics tell us that 45 percent of American workers have no retirement savings, and according to the Federal Reserve, over […]
As a life planner, I like to have real discussions with people about their lives — where they are now, financially and personally, and where they want to be at the end of their lives. It continues to amaze me how many people don’t like to discuss the end of their lives, believing somehow that […]
At the start of the new year, many people made New Year’s resolutions — promises to yourself or others to enact a change. Unfortunately, the enthusiasm for those resolutions often wanes as the hard work required to honor them becomes a reality. Did you make a New Year’s resolution? Perhaps you made one to get […]
Budget: a word that causes stress and anxiety for some while helping others bring order to their lives. Do you wish you had something to help you get your finances in order but believe creating a budget would be impossible? I want to give you hope; you can create a budget. It is simply a […]
Are you a small business owner? Do you have employees? Would you consider any of them a key person? A key employee is one who contributes significantly to the financial success of the business or who is responsible for management decisions, has a significant impact on sales or has a special rapport with customers and […]
There are as many opinions about budgeting as there are about politics or religion. However, opinions are just that — opinions. Until you put your opinion to the test, you won’t know if it simply is a personal preference or something based on truth and facts. The same is true for a budget. Most adults […]
