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While it’s not too difficult to quantify the expenses incurred while raising our kids (currently estimated at as much as $250,000 to raise a kid from birth to 18 in the US – not including college), it’s much harder – nigh on impossible – to quantify the time, effort and emotional investment. Never is this… · Read More
Summer’s here! It’s my favorite time of the year – for right now, anyway. I’m a real “live-in-the-moment” kind of person. When it’s summer, I love the sunshine and the swimming pool. When it’s fall, I love the harvest colors and raking leaves (really!). In the springtime, when everything looks fresh and new – well,… · Read More
Cooperative – noun – an organization that is owned and run jointly by its members, who share the profits or benefits. Cooperatives are owned and democratically controlled by members (not by investors), return surplus revenue to members, and are motivated by service to their members, not by profit. This spirit of cooperation, embodied in the… · Read More
Summer’s here! The weather is beautiful, flowers are growing, birds are singing – it’s the perfect time of year for baseball, boating – and relocation. If a “re-lo” is on your agenda this summer, your timing couldn’t be better. Lots of houses are available. Many of them have been on the market for a while,… · Read More
If you’re a new graduate, you’ve heard that question a hundred times by now. Graduation does represent a defining moment: a new beginning, a chance to make your own decisions and do things the way you think they should be done. Exciting? Yes. Scary? Yes, that too. So many big questions: Did you choose the… · Read More
Everybody knows: it’s easy to run up lots of debt if you’re not careful. We want to make sure that you know which steps to take to get out of debt and simplify your life. Last time, we offered tips on debt consolidation for folks who are credit challenged. Today, in Part II, we share… · Read More
Credit and Debt Management May is known as a transitional month where we experience a favorable change in the weather, spring cleaning and planting, graduations and preparations for ending the school year. Financially, many people take a long look on how they are doing as we approach the half-way point of the year. In May,… · Read More
Welcome back and congratulations to you if you read my previous post “How to Reduce Your Debt” and implemented your plan to reduce your credit card balances! Keep up the good work and before you know it, you will see the debt decrease and finally disappear. Another way to manage your expenses is to consolidate… · Read More
Spring is in full bloom and we are heading to the end of the first half of the year! I hope you have learned some wonderful things about how to improve your financial picture along the way and picked up some fun and affordable plans for your summer activities! Congratulations to you if you… · Read More
So far, we’ve covered the extremes of taking a vacation: first, the staycation, where you stick around home and do the things that you don’t normally do; then, the trip-of-a-lifetime-type vacation to exotic Costa Rica. Whatever your take on the vacation situation, there are some vacation-planning tips that apply to everyone: Save up the money… · Read More