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A Long November’s Nap

No matter how hard we try to deny it, there are only 24 hours in a day. And once you’ve dedicated most of those to making that important deadline, spending time with family and friends, and maybe squeezing in a hobby, there aren’t many hours left over for that little thing called “sleep.” If the sleep debt you’ve accrued could make an insomniac shake in his slippers, then it’s time to take advantage of National Sleep Comfort Month this November….
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How Student Loans Impact Your Credit

If you’ve finished college within the last few years, chances are you’re paying off your student loans. What happens with your student loans now that they’ve entered repayment status will have a significant impact — positive or negative — on your credit history and credit score. It’s payback time When you left school, you enjoyed a grace period of six to nine months before you had to begin repaying your student loans. But they were there all along, sleeping like…
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5 Reasons to Prioritize a Lasting Legacy

Have you been dragging your feet on estate planning? You are not alone. Nearly 64% of U.S. adults do not even have a will, including 51% of people age 55 to 64, according to the website Rocket Lawyer. But a lack of an estate plan, or an outdated one, leaves you and your family vulnerable. Your assets could get tied up in the costly court probate process after death. Your loved ones might have to make difficult decisions about your…
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Invest In Your Business

According to an analysis by the Economic Policy Institute the median working-age couple has only saved $5,000 for retirement, and 70% of couples have less than $50,000 saved. Considering retirement can last 30 years or more, having a solid savings plan is crucial to everyone’s well-being and long-term happiness – both yours and your employees. As a business owner you know that establishing an attractive culture is key both in recruiting new talent and keeping existing employees satisfied, and a…
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How Will I Manage to Send My Child to College?

Being able to send your child to college is near the top of the wish list for most parents. A college education can open doors to many opportunities, and is increasingly necessary in today’s economy. But that diploma doesn’t come cheap. Unless you are very well off financially, it’s difficult to sit on the sidelines for years and then suddenly find the money to pay for college when your child is ready to go. The best thing to do is…
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Asset Allocation

Asset allocation is a common strategy that you can use to construct an investment portfolio. Asset allocation isn’t about picking individual securities. Instead, you focus on broad categories of investments, mixing them together in the right proportion to match your financial goals, the amount of time you have to invest, and your tolerance for risk. The basics of asset allocation The idea behind asset allocation is that because not all investments are alike, you can balance risk and return in…
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National Preparedness Month

Whether there’s sunshine on your shoulders or you are trying not to belt out “rain, rain, go away,” we always have weather on the mind. The local forecast may be the last thing you hear before going to bed and the first thing you wake up to each morning. And even though it’s our go-to conversation starter and the deciding factor in our wardrobe choices, most of us don’t have an emergency weather plan. What better time to change that…
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