savings bonds

Tip: Checking The Value of Your Old Savings Bonds

Many of our clients, and often their children, have savings bonds tucked away in a drawer or safe deposit box.  We often get asked what’s the best way to keep track of your savings bonds.  How can you tell the value of your bonds and what interest rate they are paying?  And when is the right […]

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cash in safe

Corporations, Like Consumers, Sock Away Cash

How many of us are holding more cash than is good for us because of the uncertain economic outlook? We all know that cash earns next to nothing.  It’s a bad investment, and can’t help but lose value once inflation is taken into account. But it’s hard to resist tucking those extra dollars away “just […]

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adult college student

More Adults Heading Back to School

Adults are heading back to school in greater numbers than ever before.  For some, it’s a ticket to a liberating mid-life career change.  For others, it’s a way to  enhance and update job skills in a treacherous job market. If you’ve taken the “back to school” plunge yourself, you will have noticed that the average age of students in […]

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7 Steps To Qualifying For The Best Mortgage

“Mortgage rates have plunged to record lows, below 4 percent. That’s great — but only if you can actually qualify for a loan, and that’s not easy,”  says Kathleen Lynn, writing for  the New Jersey Record. Lynn has seven tips to help you take advantage of bargain-basement mortgage rates, ranging from polishing up low credit scores, getting pre-approval for […]

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mansion

Quote of the Week: Millionaires Keep Housing Costs Down

“There are three times more millionaires living in homes valued under $300,000 than are living in houses worth $1 million or more.” CNNMoney.com Magazine, July 2012, “101 Ways to Build Wealth” Financial Tip:  Don’t be house poor!  Spending too much on your home can sabotage your long-term wealth building plans.  The CNNMoney article (quoted above) reminds readers that “historically, stocks […]

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Uncertainty Key Word for 2013 Taxes

There is nothing certain about the 2013 tax outlook, and that uncertainty is frustrating investors and businesses trying to plan for the coming year. The Bush-era tax cuts (dating back to 2001) are set to automatically expire on December 31, 2012.  Unless Congress acts, taxes will increase for almost all tax-paying Americans (we don’t mean to take sides, […]

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financial media

In The News

We actively participate in a variety of media projects with the goal of helping clients and consumers learn more about financial issues.  Here are some of the recent articles to which we contributed (for a full listing, please visit our website): Kiplinger’s Retirement Planning Guide 2012, Kim Lankford, “Caught in the Middle” How to cope when […]

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Paying for College: Should Kids Have Skin in the Game?

College is a huge investment. Should your kids take responsibility for paying part of the bill? 72% of parents from affluent families said paying for all or part of college would help their kids get the most out of their education, according to a recent online survey by Legg Mason Inc. The parents reasoned that contributing […]

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Got (Too Much) Mail?

Too much paper in your mailbox?  Are too many trees dying for the prospectuses and annual reports that you don’t even read?  If so, eDelivery enrollment is for you.  It is a simple and convenient solution to cut down on unwanted account-related mailings from Charles Schwab. Clients choosing  to enroll in eDelivery have the option of […]

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Quote of the Week: Helping the Irrational Investor

“It’s the job of the financial advisor to not only help clients meet their financial goals but in doing so, keep them from making irrational, emotional decisions that aren’t in their best interests.” Frances A. McMorris, Editor-in-Chief, On Wall Street, May 2012   “Many individual investors lose consistently by trading often.  For a large majority of investors, taking a […]

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