There’s an old saying – “Buy low and sell high”. Ironically, investors tend to do just the opposite – buying high and selling low. Why do we do that; and most especially, how can we avoid doing that now with the market lingering on the edge of a huge cliff? Since we are all human, we do what human’s do- act on emotional, rather than intellectual, drives. Let’s say you’re sitting at home and turn on the news. You hear […]

Everyone wants to retire with financial security. Yet, recent studies have shown that only 47% of women and 57% of men are saving for retirement. In light of the fact that the single greatest fear in retirement is running out of money, things do not bode well of pre-retirees today. In fact, the Center for Retirement Research has found that more than half of all working households are at risk of being unable to keep up their standard of living […]

Losing a spouse is one of the most difficult times in a person’s life. When you’ve lost your loved one, you’re flooded with emotions that can make tasks like managing financial obligations seem almost impossible. Admittedly, this is a tough topic to discuss but an equally important one. The last thing anyone wants to think about is their spouse passing away but when you’re faced with handling the responsibility of managing those obligations, at the time of their passing, you […]

There are few better feelings than the one that results from setting a goal, creating plan, seeing it through and accomplishing what you set out to do. Even the accomplishment of small goals give a sense of great satisfaction. The fact is that we as human beings love to get things done and to make our dreams come true. Allowing yourself to freely open up your mind, set your sights on your dreams and desires and see them through is […]

The end is near! Winter is almost over and you can feel spring just around the corner. And, as winter fades, ideas of travel and vacationing come to the fore. After all, you’ve spent the ‘dark period’ of winter hard at work in your business or at home, and now it’s time for some special time to take in the sunshine and light. Whether you’re planning a family road trip or talking to your travel agent in preparation for that […]

Let’s face it, from the Silent Generation to Generation Z, we’ve seen some of the biggest knockouts of financial history. Remember watching the boxing match, Super Fight II, between Muhammad Ali and Joe Frasier? It was an exciting time and an exciting bout. Although when the stock markets collapsed, we as Americans didn’t feel that same excitement. We felt as if we were the ones being knocked on our behinds and stumbling with wobbly knees. We took a lot of […]

With the big game just a few days away I am already getting excited! Super Bowl 50 is surely going to be a fun one as the Denver Broncos go head to head with the Carolina Panthers for the championship. It’s as if you can feel the energy from every football fan in America! Whether you’re planning your annual Super Bowl party at home or making reservations at your favorite sports bar, here’s some dirty secrets that you can share […]

If you woke up last week a little disappointed that you didn’t win the record $1.5 Billion jackpot, you aren’t alone. You had a higher chance of getting struck by lightning twice, spontaneously combusting and a meteor falling on your head, yet a few people out there still managed to beat the odds. Most people like myself, can only dream of winning the lottery and will continue to keep on wishing. But for those lucky individuals who’ve cashed in their […]

We make them, fake them and then we break them. The New Year is like the big red “Easy” button. It’s the time when you are able to start fresh, start over, set a goal or change something that you’ve been sweeping under the rug for some time. Did you know that, roughly 45% of Americans make a New Year’s resolution and only 8%-10% fully commit to making those resolutions? That means your chances of keeping a New Year’s resolution […]