Everyone has a dominant money type but rarely, if ever, is anyone solely a single money type. It’s normal to find other traits that are part of other, less influential-to-us types. For instance, you may be an Ostrich/White Knighter by inclination and you would say ‘this is my dominant type.’ But, you may have shades of being a Squirrel or a Coaster / Optimist, too. Take in all the information!
Do you remember the pain of paying the highest gasoline prices ever? The year was 2012 and the nationwide average for a gallon of gas that year was $3.60. Ouch!
Gasoline prices are already rising this year, though not as high as 2012. 2018 began with the highest gas prices since 2014. So far this year prices have been mostly hovering close to $3 a gallon, but have dipped to a national average of $2.85 a gallon in the last few weeks.
You’re well aware that our world is changing at an ever increasing pace thanks to new technologies. Have you positioned your investments to take advantage of these big shifts?
The business landscape as we know it is expected to experience very dramatic shifts in the next 10-15 years. Many well established companies are expected to decline, whole job categories will disappear, and unheard of companies will quickly rise to the top.
What are exponential technologies and why should every person with even a small investment portfolio be paying attention?
It’s easy to look at student loans as something simple to understand, to take out and to repay. The reason behind them is simple enough - funds to pay for post-high school education.
Federal student loans were introduced under Title IV of the Higher Education Act in 1965 along with federal grants and work-study programs. Federal student programs are available while enrolled at accredited institutions and can be used for traditional 4-year college educations as well as technical, career and trade educations.
What if you could pay off your mortgage faster - much faster - in 5 to 7 years? What if you could pay off your mortgage that much faster without making extra payments or larger payments? What if paying off your mortgage that fast translated to learning how to move your money around more efficiently so that it works for your advantage?
Mortgage optimization strategy is the action plan that allows you to accomplish paying off your mortgage in 5 to 7 years and save tens to hundreds of thousands of dollars in mortgage interest.
To understand how this alternative form of financing your home works let’s look at how both traditional mortgage systems and traditional banking work.
After 30+ years of working in personal finance I came to a startling conclusion: we each respond to money and finance like we do, in part, because of our ‘money type’ - the underlying archetypal behavior, attitudes, feelings and values we have relating to finance.
It’s common sense to make sure you’ve got health insurance in place when planning a pregnancy or awaiting the birth of a baby. My husband and I switched from our budget-friendly HMO to a pricier PPO health plan upon agreeing that it was time to expand our family, agreeing that better coverage made sense at that critical time.
People always ask me where the money is. I hear personal stories from so many people trying hard to better handle their money - inevitably asking where the money is. The common thread I hear so often is how a ‘rough year’ leaves people financially precarious and how despite every effort they feel like progress is not being made.