Hope For Rainbows But Plan For Rain

When I first begin a new relationship with someone ready to begin building their financial house, I find one scenario repeats itself over and over: most have experienced some severe money problems that don’t seem to let up.

It’s like a nightmare where a tornado goes through town, followed by a hurricane, and then the overdue tax bill (that you didn’t know you owed!) arrives.

The truth is that it can sometimes be that bad in real life. Recently, I worked with   Continue reading this post >

Top 5 Financial Lessons of 2010

PHILOSOPHER GEORGE SANTAYANA SAID, “Those who do not remember the past are condemned to repeat it.” That’s why, at the end of the year, I like to study the past twelve months and ask myself, what is it that I learned? Some years the answers to the question are easy, like in 2000, when the obvious moral was that the stock market doesn’t always skyrocket. In 2002, we were lucky to learn that the inverse, stock markets don’t always plummet,   Continue reading this post >

How to Keep your Online Identity Safe!

Today I read that the FBI reports internet crime more than doubled last year. People who normally lock their car doors buy frequently online, complete all their banking over the web and pay bills routinely using their keyboard. Internet transactions are an easy way for crooks to steal bank account numbers, credit card information and other personal data. Maybe it’s time to sit back and think for a moment about protecting yourself while you’re banking and shopping on the   Continue reading this post >