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 […]

Homes are glistening with lights, boulevard trees shine with exuberance, and the sound of carolers echo the familiar tunes. It’s a warm, wonderful feeling. And you are part of it enjoying the hustle and bustle, looking for that ‘special’ gift in almost every store, spending time with loved ones, embracing every moment of the joy that abounds. The holidays are a special time. And while you focus on the holiday spirit, others are focused on you, but for a very […]

As you well know, we are going through a period where some major events, mostly negative, are changing and shaping the way our world will work in the future. The other day I found myself thinking about the past and how all the events that I remember, mostly negative again, helped shape the world we live in today – war, assassination, market collapses, reigning Presidents, nuclear threats and, as you know, that list goes on and on. And then I […]

The words Money, Freedom and Happiness all play a big role into your overall quality of life. Money is intrinsically linked to freedom, but not necessarily happiness. As ironic as it may seem, people that have all the “wants” in the world can be some of the most unhappy individuals out there. Everyone has their own individual perception of happiness, but when you get down to the core of it all, if you have nothing besides money, one will never […]

Let’s face it, retirement for most people is a big financial unknown. Will we run out of money, will we have big health emergencies and expenses, will market losses reduce my income and lifestyle, will my income rise with inflation, will taxes eat up my income, are just some of the issues that retirees face day to day. That’s a lot to deal with and, in many ways, these are very much like the bully we met when we were […]

Many of you may not have heard about the new changes that will affect the strategies used to claim and maximize Social Security benefits. For those of you who have heard, you may feel unclear in your understanding of what this all means, why it is happening, and how it could potentially derail part of your retirement plan. Because these new changes can most certainly impact your overall plan, I’d like to take a moment to give you a better […]

For those of us who have children or grandchildren, we should give them the best possible start towards establishing their credit and educate them on the correct ways of building and maintaining an excellent credit score. Having the ability to build credit at a young age is very important and helping them take action early on can increase their chances of being ahead of the curve. You may now be asking yourself, “So where do we begin?” “When is the […]