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refi

Last Call for Refinancing?

If you are standing on the sidelines waiting to refinance, don’t wait too much longer.  Rates are at historic lows.  “This is an excellent time to refinance,” said Greg McBride, senior financial analyst at Bankrate.com, in a February 2012 Wall Street Journal  interview.  If you can’t decide if a refi is right for you, here’s some factors to keep […]

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rothstein yachts

South Florida Ponzi Schemes — No Rest For The Wicked

In December 2008, as the Madoff story broke, we sent an email to all our clients reminding them of critical safeguards they need to follow to avoid being the victim of investment fraud.   At that time, reading through the list of Madoff victims, we couldn’t help but recognize the names of neighbors, acquaintances and community leaders.  South Florida […]

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Secrets of Successful Retirees

Don’t take our word for it.  Take theirs. For the fifth consecutive year, Consumer Reports National Research Center polled over 20,000 readers to ask them what what they did right and wrong in preparing for retirement.   Boy, did they get an earful. We’re not surprised by the results.  In fact, they are right in line […]

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credit-cards

Credit Cards: Better Leave Home Without Them

It’s not just your imagination.  You really do spend more when you say “charge it!” The proliferation of non-cash forms of payment like credit and debit cards, Pay Pal, gift cards, phone apps, and online bank payments  is making it easier for people to spend too much money.  The temptation to overspend is especially acute for […]

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college

College Dreaming

For those of you who are parents of high school seniors, you know far too well the agonies of  the college application season.  It’s a seemingly endless marathon of tests, applications, essays, recommendations, and documentation, and soon it will all be topped off with the heart-breaking thin letter of rejection or the joyful fat letter of acceptance.  […]

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Starting an Emergency Fund, and How Your Roth IRA Can Do Double-Duty

We recently worked with reporter Craig Guillot, a business and personal finance writer from New Orleans, on an article for Mint.com about starting an emergency fund.  You can check out the full article here.  In working with Craig on the article, we made the point about how a Roth IRA account can sometimes do “double […]

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Question?

Fastest Way to Pay Down Credit Card Debt

  Some of our client say that one of their top New Year’s resolutions is to pay down credit card debt.  What’s the fastest way to do that? Some people like to tackle small credit card balances first, since paying off one account in entirety gives them a “feel good” sense of accomplishment.  However, that’s not […]

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Prosper in a low interest rate environment

How to prosper in a low interest rate environment

The Federal Reserve has pushed short-term interest rates close to zero in a move to stimulate the economy and get the recovery back on track. Now the Fed says it intends to keep rates low until mid-2013. Will low rates mean boon or bust for your finances? And how can you survive and even prosper […]

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