Our children are not the same.   No matter how we slice it, there is no equality when it comes to the kids, especially about money. There’s a tendency by most people to automatically give equal amount to their children.    This is one of the worst things that you can do especially...

In the last few years, I’ve seen a frightening phenomenon occur more frequently; the destruction of people’s retirement savings by their adult children.  It’s a devastating issue to deal with, yet it’s treated as a joke by the media.  I seen personal finance sites...

Here’s the quick answer: You should refinance now because rates are at an all time low.  If rates do go lower, you can always refinance. Now the long version. Despite low mortgage rates recently, some homeowners may have been sitting on the fence waiting for rates to go lower or if you...

The process of choosing an adviser or specialist is the same: whether you are hiring a lawyer, a medical specialist, a surgeon, an accountant, a financial advisor, or an online marketing firm. Common practice is to use criteria such as credentials, price, personal recommendation, or direct...

The word “budget” is not a cozy and exciting word.  In fact, it conjures up a painful image of entering numbers into a green ledger with a quill.  Because of this negative association with budgeting, I don’t enjoy making budgets and have had to fool myself into saving...

2010 is the year of no estate taxes.  Once upon a time, before the 2001 Bush tax cut, every heir had to pay estate taxes if they inherited more than $1 Million.  Now if someone died in 2010, their beneficiaries will have no federal estate taxes.   This was not intended.  Congress had...