credit cards,saving

“Smart” Credit Cards? Are you using them?

 wallet-cash-credit-card-pocketOne of the more common questions I am asked by clients during the discussion of debt is “Should we be using credit cards?”  

If you have ever watched any of the personal finance shows on TV, you would hear Dave Ramsey, Suze Orman and others typically dismiss all credit cards as bad debt and never to be used. The reality is, this is yet another example of why blanket advice is not to be taken as advice.

In truth, as long as you are financially responsible to yourself, there is no reason not to use “smart” credit cards. What are smart credit cards? Read on.

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credit cards,saving

3.5 Ways to Save Without Giving up Anything

WaysToSave

If you pay attention to a lot of personal finance advice, one of the first pieces of advice that you get is to start a budget and start cutting major expenses.

As a financial planner, we would rather focus on increasing your income and focusing on saving, rather than try to control and cut the costs.  The reality is, most people on a budget, fail.  They fail after a few months.  More importantly, budgeting typically does not fix the issue in the first place.

This does not however mean that there are not things we can take away from budgeting, more importantly taking a look at the monthly expenses, to identify monthly expenses that are either completely unnecessary or you were even unaware of.  Here are 3.5 ways to save.

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mortgage,refinance

Refinancing Your Mortgage 101 w/ @JaysonBates & @MaksFS

Refi101

When should you look to refinance your mortgage? What questions should you be asking? What traps should you be trying to avoid?

Even though rates are not AT all time lows, they are near all time lows. Many Americans have been able to take advantage and have refinanced their mortgages over the last few years, however there are others who have not. Perhaps you had credit issues or were upside down on your equity in the past, but you are currently in the position to be able to refinance your mortgage. This is the video for you to watch.

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fiduciary,financial planning,WealthyIQ

Our Purpose

Hello and thank you for visiting our blog and news site.

The internet is a wonderful tool that brings even the most remote and complex information, to anyone’s fingertips in mere seconds. Instead of reading books or opening up the encyclopedia, you can go to your favorite search engine and find what you are looking for… and more, much much more. 

The challenge that this creates is the over abundance of information. Have a head ache? Or a rash? Instead of going to a doctor, if you search online, while you may get great information, you will also be able to come away thinking you just contracted a deadly disease. Getting the answers you are looking for on the internet, is like trying to drink from a fire hose.

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