Category Archives: Savings

Deals, Rewards, and Steals

Tweet With our economic environment in question, we need to take advantage of every possible opportunity to save a dollar along the way. More and more companies are offering “deals” to reward loyalty and capture new customers. Some of the offers are coming from places you may not expect, so I thought I would share with you some of my recent finds. … Continue reading

Posted in Cash Flow & Debt, Financial Planning, Savings | 1 Comment

401K:Still the Best Game in Town!

Tweet The market has made a nice return from its lows several weeks ago. The storm has seemingly calmed, at least to some degree. The interesting fact is that nothing has really changed. We are still facing the same economic issues we where three or four weeks ago. My point is that the uncertainty still remains. With the uncertainty still in place, … Continue reading

Posted in Financial Planning, Investments, Retirement, Savings, Taxes | 4 Comments

UTMA & UGMAs What are they?

Tweet As a holistic financial advisor, it’s always important that I view the big picture for my clients, and a very important piece of that picture is the children of my clients. We all want the best for our children and want them to have a life better than the one we had at their age. Sometimes our well-meaning actions will not … Continue reading

Posted in College Planning, Financial Planning, Savings | Leave a comment

Seven Tips for Uncertainty!

Tweet Okay, Now What? After a couple of tough weeks for the market, the level of fear seems to be at a pinnacle. While fear is not always a bad thing, when it comes to investment decisions, fear is not a factor we want creeping into to our thought process. Many people have said that fear and greed drive the market.  We … Continue reading

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Wanna Save a Few Bucks?

Tweet This coming weekend will begin the Tennessee Sales Tax Holiday.  This annual event occurs the first Friday in August and is a great way to save a little cash.  If you are in the market for school supplies, clothing, or a new computer, it might be worth it to target your spending for this weekend. The Details                                                                                                       The sales tax holiday … Continue reading

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Five Questions for Mid-Year!

Tweet Here we are right in the middle of the dog days of summer. The weather’s hot, and the pace of life slows. The vision of a rocking chair and cold iced tea comes to mind. While we sit back and breathe a sigh of contemplative relaxation, we also need to be aware. We need to be aware that we are half … Continue reading

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The Five Fundamentals of Financial Success!

Tweet The Five Fundamentals of Financial Success is always a great starting point when it comes to financial planning. Matter of fact, every new client I meet with, wealthy or not, gets to hear my commentary on these five gems. Even though these financial nuggets seem simple, the effectiveness is real. 1. Save at least 10% of your income Saving 10% of … Continue reading

Posted in Cash Flow & Debt, Financial Planning, Retirement, Savings, Taxes | Tagged | 2 Comments

Ten Ways to Save Money without Pinching your Lifestyle!

Tweet As a fee-only advisor I often speak with clients in regards to their cash flow. We sometimes drill down to fine detail. When this occurs I always seem to find ways to cut corners without negatively impacting the client’s lifestyle.  Here are a few of the examples I have learned over the last several years. Eliminate Bank Fees– Banks are battling … Continue reading

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Your Two Percent Raise…..Part II

Tweet If you read my blog post last week, you noticed I mentioned the 2% social security tax reduction for tax year 2011.  While this is certainly a nice pay raise, we need to make certain we don’t forget about the expiration of the Making Work Pay Credit. The Making Work Pay Credit benefited most earners with a $400 credit ($800 for … Continue reading

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Your Two Percent Raise!

Tweet Did you realize you received a two percent raise in January? How can this be? You say your boss would never give you a raise. Well this take home pay increase didn’t come from your boss…..it came from the federal government. In Late December of 2010, President Obama signed into law a two percent reduction in the OASDI payroll tax. Old … Continue reading

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Posted in Cash Flow & Debt, Savings, Taxes | Tagged | 2 Comments