7 ways to save money

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If you have simply fallen on hard times or even if you could just do with some more cash to rub together, saving money is an art and you’ll be pleased to know that not many people find it easy. This article will outline some simple steps that you or those close to you can [...]

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What is a Certificate of Deposit (CD)?

money lock

Do you know someone who has lost a lot of money in the stock market? If so, this can make you wary of diving off into investing all by yourself. Fortunately, there is a way to safely dip your toe into the water when it comes to investing, and you can do so by opening [...]

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Is the Trade Really Worth It?

gas pumps

Are you about done with conventional personal finance advice? Follow this 7 Step Guideline and you can’t help but run into that pot of gold at the end of the rainbow, kind of thing? Hmmm, Lucky Charms may have been magically delicous, but that pot of gold? Not so much. You see, the same old [...]

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Are You 1 of the 1 in 3?

credit cards

When I entered the banking profession, I was taught that for every dollar I lend, only 97 cents will be paid back. I’m talking about principal dollars here. In other words, interest earnings needed to compensate for the roughly 3 percent of those who do not repay their loan, plus some interest on top of [...]

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Wealth Mindset: What Is It? Where Do You Get It?

mansion staircase

Or What’s Between Your Ears? Have you ever taken the time to look at your personal financial situation (good, bad, or in-between) and compare it to what is going on inside your own head? Seriously, like it or not, you may in fact be engaged in some sort of self-sabotage and not even be aware [...]

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5 Must Know Student Loan Facts for the College Bound

college walkway

Young people, college bound and otherwise, have a different perspective on the passage of time than their older counterparts. The four or more years young people will spend in pursuit of a college education seems like an eternity to them. It is perhaps for this reason, coupled with the boundless optimism of youth, that too [...]

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Crowdfunding Investment Cheat Sheet


As the saying goes, you want to be in the know before you go. Or in this case, before you open up your wallet and put down your hard earned money on the latest investment scam. You surely don’t want to end up like one of Bernie Madoff’s “investors” now do you? At the same [...]

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Your Emergency Fund—Does Size Really Matter?

pile o money

Emergency funds are as individual as their owners. Consequently, there is no one-size-fits-all. The only critical feature of an emergency fund is that it meets your needs. Most emergency funds are created to deal with job loss or illness. Others might see the role of an emergency fund through the lens of a natural disaster [...]

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The not so Secret Habits of Millionaires

big mansion

Chances are you have run across a variety of sources proclaiming that the answer to your personal finance challenges are about doing this or doing that. You know what I’m talking about; buy this book, take this seminar, enroll in my 7 Step program, that sort of thing. Yet, what if it’s not really that [...]

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Building Wealth: It’s about More than Money!


The average individual does not have an Ebenezer Scrooge mentality, meaning money is a weak motivator for most of us. Now the trappings of money, nice home, fancy car, designer clothes, are stronger motivating factors for some, but let’s be honest—that is so shallow! In my view, this is why so many of us fail [...]

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