Personal Finance Advice

If you follow financial news, you see the statistics all the time. The average 401(k) balance is $10,000. Or less, depending on the report. Seventy percent of Boomers haven’t saved nearly enough for retirement. Only fifteen percent of people eligible to participate in an employers’ retirement plan do so. Even less participate to the full [...]

If you live in a small town, you probably know all of the good places to eat. Indeed, you might know all of the places to eat. The McDonald’s just off the highway. Maybe a locally owned restaurant or two. In small towns, there just are not a lot of options and that makes choosing [...]

The other day a friend of mine came over to have dinner. While she was here, she commented on my DVD collection. “What a waste of money,” she said. “You can rent from Netflix for much less. Besides, DVD’s will be obsolete one day and then where will you be?” She didn’t say anything I [...]

Creative genius and business skills are not always found in the same person. Creative minds want to create for the sake of art. Business minds want to promote business success. In order to succeed in creative businesses, owners must balance on the edge of a knife while they make concessions to their creative ideals in [...]

The other day I heard someone make the argument that most financial advice was of no use to them because it assumes that you have some extra money, you just need to “find it.” “I literally have no extra money,” this person said. “Every dime I have goes to the mortgage, food, or the utilities. [...]