Debt can feel scary. Between the seemingly endless payments, the possibility of bankruptcy, the potential for negative net worth, and the general unease of owing money; it’s just not fun. But should you pay off your debts early? If so, which loan should you pay off first? Or should you set aside savings instead?
It was 2009 when the Credit Card Accountability Responsibility and Disclosure Act (the Credit CARD Act) substantially changed the playing field for credit card issuers and users. It improved how interest could be charged, how terms could be changed, how fees could be assessed, who may be issued a credit card, and much more. Still, […]
I don’t practice law any more, but back when I did, my friend Steve called me for help with his will. “I’m filling out this form that says it’s legal in all 50 states,” he told me. “But I don’t understand a few things they’re asking for.” After I answered Steve’s questions, he said, “Great, […]
I expect to be around for a long, long time. Long enough to glare at your boyfriends, to walk you down the aisle, and to coo at my grandchildren. But you never know. And since I’m a financial advisor, I thought I should write down some of the most important financial guidance I know, in […]