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Organizing Your
Financial Life |
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by Gene Walden
The first step in an effective personal financial plan is organization. Not only do you need to identify your spending patterns—where, when, and how you spend your money—you also need to organize the paperwork that documents those expenses, as well as any other records that are important to your financial life.
In other words, you need to organize your personal life the way you would your business. You should set up a personal filing system to keep your important financial records in order. Make sure they are in a place that you and your family can easily find when you need to get your hands on those records.
Many people have their records scattered throughout their homes—in drawers, boxes and closets. You should set up one central location—preferably a desk or filing cabinet—where you can keep all... MORE
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Financial Planning:
Saving More for Your Retirement
The more we make, the more we spend—it is basic human nature. But at some point you may need to figure out how to spend less and save more to prepare for a prosperous retirement... MORE |
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Tax Planning:
Economic Stimulus – Tax Rebates
Last week Congress passed the Economic Stimulus Act of 2008. The President is expected to sign the bill this week. The new law will allow a tax credit rebate to low- and middle-income... MORE |
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Mortgage Tips:
Is There a Refinancing Rule of Thumb?
Most people have probably heard the saying, “You should refinance only if you can lower your mortgage interest rate by 1% or more.” The truth is that it really depends on your... MORE
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Insurance Insights:
Pension Maximization
As retirement approaches, many employees are faced with a difficult decision, one that will affect them and their spouses for the remainder of their lives.The decision I am referring ... MORE |
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Investment Management Updates:
Market Volatility
Does recent market volatility have you worried? Time is on your side.Looking at your investment statements and seeing they are worth a little less than they were a few months... MORE
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Thoughts from Bruce Helmer:
Who Can Help? The Focus of Financial Professionals
In today’s world, many financial institutions offer a wide range of financial services to clients. Since the regulatory wall between banks and brokers was knocked down, the distinctions... MORE |
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Sudoku Puzzle:
When you play sudoku you qualify to win a FREE $25 Gift Card for any participating T.G.I. Friday’s restaurant. This month's puzzle... MORE |
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Upcoming Events:
As most of you know, one of our main goals is to educate our clients and our community. We look forward to seeing you at an upcoming seminar... MORE |
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