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How I Saved A Lot of Money Taking a Family Vacation

Written by adminAugust 6, 2018

As we enter the dog days of summer, back-to-school commercials are already blasting on every TV channel. Preseason football is making us think about fall. So, you might be wondering if I’m a bit late with this article. If you had a family vacation this year, it was probably in the summer months before now.

But, as a rule, we at Financial Helpers understand that the best way to save a lot of money! And vacations don’t have to be summer mainstays either. If you’re a family with a tight budget, then this article is for you!

Some trips can cost thousands of dollars, depending on the size of your family vacation. Admission to theme parks, hotel, car rental if you choose to fly, airfare, and food can all vary depending on the time of year.

One of the first things I did to have a great vacation for cheap is by doing a season swap. Various destinations have busy seasons where the price to stay there is extremely expensive. You can be forced to $300 per night at a hotel that only charges $70 in the offseason. Mark ups can be incredible!

Attractions More Expensive for a Family Vacation

My sister lives in a tiny town in Northern Michigan that’s very touristy in the summer months due to all the amazing outdoor activities near Lake Michigan and its proximity to Traverse City, one of the state’s top attractions. I know when it’s summer, I won’t even dare to book a room unless I want to spend over $150-$200.

When I visited the family over the Christmas holiday, it only cost $30, which was a good deal. This tells me that I can save a lot of money visiting destinations during the times of the year when these places are practically begging for business.

Also: http://financialhelpers.com/4-strategic-steps-to-help-you-get-out-of-debt-forever/

Here’s the thing: booking early has the same effect. If you wait until the last minute to buy a plane ticket or book a hotel, you will pay A LOT more than booking your family vacation a year to six months in advance.

Food is also another major expense that needs to be planned ahead of time. You can easily save a few hundred bucks by choosing a hotel that offers free breakfast. Some of the pricier hotels might offer breakfast service, but you can expect anything you purchase, like room service or anything from the mini-fridge, has been marked up considerably.

Free Is Always a Good Deal

If you get free breakfast from the hotel, the selection might be limited, but it will save you a lot of money over the life of your trip.

It’s also important to remain realistic about when you fly. It doesn’t matter when you book your tickets if you try to fly out around a holiday. The fares will always be expensive during peak times of the year. But if you’re not flying on a holiday, there are days of the week that tend to be less pricey than others.

For example, weekends are a peak time for flying, so fares on a Friday might be higher than flying out on a Wednesday when there’s less traffic.

Cheapair.com did a survey and found that travelers saved $200 on Thanksgiving travel. They left on Monday and returned on Friday rather than the typical timeframe. So, if you hope to save money on travel, choosing infrequent days can save a lot of money.

Just because you’re on a tight budget doesn’t mean you can’t enjoy a nice family vacation. Get away from the grind! Just make sure you plan early. Sign up for alerts, book tickets to fly out during the week, and choose destinations during non-peak times. You’ll save a lot of cash in the long run.

Written by adminAugust 3, 2018

Saving

Women are often the backbone of most American families. They are the caregivers and the glue that keeps everyone together. They’re also typically the financial stewards and keeper of the checkbook. But, studies show they are a vulnerable demographic when it comes to having personal finance knowledge.

Usually, it’s the men who make the money, do the investments, prepare for retirement, and because of this, more women leave it to their husbands to figure all of that out. Women who have a credit score below 700 are particularly inept at being financially prepared.

A survey by Elevate’s Center for the New Middle Class revealed that only 39% of women believe they have the right skills to manage their money. Because women live longer than men, it’s imperative that they prepare for life outside of retirement with their spouses. They need to go above and beyond knowing how to balance a checkbook.

Also: http://financialhelpers.com/4-things-every-parent-should-know-about-student-loans/

Of course, these statements do not imply women are just dumb with money, but rather they fall behind their male counterparts in taking the initiative to understand and prepare for their financial futures, leaving it to their husbands to figure it all out. This can leave them in an incredibly difficult personal finance situation.

Women are more likely to have their hours cut at work, three times as likely to have lost their job than men, and rarely have a safety net around them, like emergency savings.

Here are 3 ways women can educate themselves further and bridge the knowledge gap:

1) Unleash the Power of Apps

For women who aren’t knowledgeable in finances and struggle to keep up, there are a lot of apps out there that can help you figure it out. Apps can be helpful by showing you how to budget properly and stash away cash for an emergency. Doing this not only offers you better control of your finances, but peace of mind as well.

2) Get Aggressive About Personal Finance Education

Surveys show that non-prime women with lower credit scores have basic knowledge, usually learned from their parents, on how to manage their money. Beyond that, they’re clueless. Times have changed and women must be more aggressive in learning what they don’t know about saving, investing, and preparing for retirement.

You can study blogs, read books written by experts, take classes, and even counsel with professionals to catch up on tips and strategies you can use every day.

3) Follow Up on All Your Options

It’s sort of like having a contingency plan. Look ahead at all the issues and problems that could happen. What if you suddenly needed $2,000? How would you get the money? What if your car fell apart and insurance failed to pick up the bill? What if the economy took a downturn and you lost your job?

Be prepared for any and all personal finance situations that could happen any given day. By being prepared for these things, you won’t be caught in a stressful situation without a plan.

Personal finances aren’t too difficult to master if you give it time and energy to learn. If you find you’re struggling to save money or work isn’t that stable, a lot of women turn to online entrepreneurship to fill in the gap. It allows to make extra money while still being flexible around their family’s needs.

Written by adminAugust 2, 2018

Life Style

Summer going into fall is one of the worst times for a natural disaster in the United States. Hurricanes and other tropical storms can hit with a vengeance, but usually offer plenty of warning for people to be prepared.

Even if you don’t live near a tropical area, tornadoes and other severe storms can hit without warning at any time, and it’s best to stay 100% prepared at all times. Thankfully, technology is improving and weather prediction has increased accuracy as well.

Sadly, many Americans are not prepared for a big storm, earthquake, or other natural disaster to hit their area. Ipsos, a market research company, found that 51% of all Americans are ready for a major event, or the aftermath that comes after.

Of course, these numbers vary by state. Most Floridians, for example, are probably prepared for the inevitable. In fact, most natives who grew up in Florida hardly blink for anything below a Category 3 while anyone elsewhere would be shaking in their boots.

According to a Natural Disaster Survey

“Respondents generally feel most prepared for disasters more typical to their state,” Ipsos says. “California residents feel most prepared for earthquakes (62 percent) and wildfires (44 percent); Florida feels most prepared for hurricanes (89 percent), and Texas respondents feel most prepared for floods (57 percent).”

Another survey conducted by Esurance said 80% of Americans are worried about an increase in storms. But, only 25% are actually ready for it, which is a tough thing to reconcile. Only 17% of the country says they’re ‘well-prepared’.

Also: http://financialhelpers.com/not-going-to-make-the-tax-deadline-heres-what-you-should-know/

Most people who claim they are ready just have some additional food and candles, but haven’t invested in necessary tools, like generators or storm panels. If a disaster strikes, you could be without food or power for days or even weeks.

If you’re unsure about your preparedness level, we’re here to help. Here are 5 steps you can take right now to keep you and your family safe.

1) It’s a good idea to back up your records digitally or in the cloud.

If your house is destroyed, it’s possible your paper records will be too. Many keep their records locked up in a safe, but it’s still a good idea to scan everything you have, like birth certificates, marriage license, IDs, proof of ownership, and everything else you have to be safely stored where no storm can destroy it.

2) Take good pictures of your property and set up security footage.

Thanks to technology, a lot of people are setting up surveillance equipment around their home for cheap. Doing such a thing is a great idea so you can prove if a theft happens, or to see how your property looked before a storm to compare afterward. This will lower the chance your claim gets denied.

3) Use Wi-Fi

Most people don’t realize that one of the major structures that often get destroyed during a storm or natural disaster are cell phone towers. They can be out much longer than powerlines, and if you have a generator, as long as the cable lines (which are usually underground) are safe, you can still connect to the outside world.

4) Invest in smart technology.

Homes are getting smarter and you can get alerts to your phone that can save your life. Do your research on the various technologies and apps out there today.

5) Find a way to communicate with the outside world.

If a natural disaster hits your town, your family and friends will be worried sick about you. They may call law enforcement which would divert resources to find you when you’re safe. If you can contact family and friends and let them know you’re safe, it will help recovery efforts.

It will also pay to have radios, batteries, basic TV, and other things at the ready in the event of a disaster so you can keep up with everything going on, especially if you need to be evacuated.

Of course, these are only a few tips. Being prepared also includes having money saved. Leave if asked to evacuate. Have a safe route out of town. And teach kids about what to do during an emergency.

Written by adminAugust 1, 2018

Life Style

For months, we’ve been hearing that the tax cuts implemented by President Trump weren’t good enough. Last December’s vote was only for the wealthy. Only mega corporations and the wealthiest top 1% had any chance of seeing benefits. Small businesses be damned!

Well, tell that to small businesses all over the country who are now thriving under the new tax code. It’s not just the taxes either, but the removal of numerous job-killing regulations. Combined, they’ve allowed small business in Main Street USA to soar.

Shark Tank Star Says Small Businesses Thriving

Kevin O’Leary of Shark Tank fame spoke on regulation cuts.

“The reduction of regulations has been remarkable in how it has accelerated small business,” he said. “These things are quietly being changed, and I really — I credit the administration for doing this. They’re making it easier to run a small business in pretty well every state I’m involved in. So that’s working.”

Wettlin Treppendahl, owner of Treppendahl Super Foods and 4th generation store owner, spoke to Congress on July 25th.

“The new tax law has had an immediate positive impact on my family business’ ability to invest in our store and local community,” he said.

Also: http://financialhelpers.com/why-are-millennials-still-struggling-to-buy-a-home/

And invest they have. Job numbers are through the roof, and part of that has to do with small businesses reinvesting their money back into their business. Treppendahl said he was able to upgrade his store and hire new employees.

Thankfully, this has a ripple effect throughout whole communities. Not only do more people get work, the act of upgrading his store provided work for local contractors and a refrigeration company. He was able to replace 12 sections of the frozen food aisle. Surprisingly, he also gave raises to his full-time workers.

Growth is Everywhere

Still, we see this unprecedented growth all over the country with similar stories everywhere you look. It is even forcing the big companies to reevaluate their plans to leave the U.S. and decide to reinvest here. Thankfully, Ford was one of those companies who chose to reinvest money into their plants in Michigan.

Gary Ellerhorst, CEO of Crown Plastics in Harrison, OH is ecstatic by the boost in business.

“The recent tax reduction in and of itself will have a positive impact on our employees and our business in 2018 and beyond. Yet, when augmented by reduction in regulation and, most importantly, the hugely positive outlook by business leaders and consumers. Which started the day after the 2016 election, the resulting booming economy takes that positive impact of the tax bill and increases it exponentially,” he said.
Tiberiu Czentye is a Romanian immigrant and CEO of All Pro Solutions. He says the tax and regulation cuts have improved the outlook and optimism of business owners everywhere.

“Until last year, many companies, including us, didn’t want to spend their money,” he said in a statement to Congress. “Because of this big tax cut, any entrepreneur can see the opportunity to invest in its company with the goal to make more money for the company and its employees. Good feeling.”

There is a small concern. These provisions will extend through 2025. Still, the hope is that the tax and regulation cuts will remain permanent, but these issues change with the weather (and with whoever is in office at the time).

Written by adminJuly 31, 2018

Life Style

If you have a pet, there’s no doubt you love them like family. You may even consider yourself a parent to your fur baby and count them among your children when people ask how many you have. That’s purrfectly okay with us!

What a lot of new pet owners don’t realize is how expensive it can be. You might think all you have to do is water and feed them, but that’s not exactly the case. If you live in an apartment, you might be charged several hundred dollars and pay extra in rent. Some towns require a yearly tax and regular vaccines.

It’s easy to spend hundreds of dollars per year on toys, food, grooming, pet sitters and walkers if you’re out of town, and so much more. It’s totally worth it, but if you’re living on a tight budget, it can be difficult to keep up with everything that goes along with owning a pet.

Here are 6 ways you can lower the cost of pet ownership:

1) Find a Vet that Does Free Initial Exams

There are numerous vets out there that offer free exams as a way of getting new clients in the door. If you need to take your pet in for any reason, you can save money by choosing one of these vets instead of paying the $60 for a visit. It’s not often pet owners have to take their pets in, but in the event it happens, this will save them money.

2) Don’t Get Your Meds from the Vet

Of course, when you do take your vet in to get checked out, they will push a variety of supplements and medications, which they sell at a huge mark-up in price. If it’s a required medication, have the vet write a script instead. Many normal pharmacies, like Walgreens ad Rite-Aid, will offer pet prescriptions savings programs.

3) Look Around for Mobile Clinics

A lot of cities are willing to help control the pet population and keep the animals we do have as healthy as possible. That’s why you might find a place that offers free screenings, free spay and neutering, and extremely cheap vaccinations, flea and heartworm meds, and microchips.

4) Ask a Friend to Pet Sit

You probably do this anyway, but if you know you’re going to be away for awhile and can’t take your furry friend with you, maybe you can drop them off at a friend’s house or with a family member while you’re away. It sure beats having to pay an additional $60+ per night at a kennel.

5) Don’t Buy Brand New Toys

Pets love stuffed animals and toys as much as the kids do, but unlike your kids, the pets won’t know if the toy you gave them is fresh out of the box, nor will they care. Why buy a brand new stuffed animal for $12 when you can browse a garage sale and get several for a quarter?

6) Comparison Shop

Just like when you by groceries for the family, take the time to do a bit of comparison shopping before purchasing things like meds and food for your pet. Amazon might have a great deal over the local pet store. And as we stated earlier, don’t buy your meds at the vet. Save money and look around first.

Written by adminJuly 30, 2018

Saving

It’s is super easy to get into debt. Life is chaotic and when someone is throwing around what appears to be ‘free money’. If you need (or really want) something hard enough, you can get the financing for it.

There are a number of Americans who stuck to their guns, followed intense programs, and got out of debt once and for all. The problem is, do they stay debt-free, or do they see themselves as having done it once, they can do it again?

It’s a truly liberating feeling to get out of debt, but a little less than half of the country spend more money than they have. A lot of it has to do with the cost of everything going up and wages staying low. If we can’t afford healthcare or to save money, then it’s quite easy to find ourselves pulling out the plastic to afford everyday costs.

In order to stop yourself from getting behind on payments, you have to be proactive with your spending. If you can’t afford something, don’t buy it. In the end, what is the point of eventually paying A LOT more money for something down the road just so you can have it today?

Here’s what you need to do in order to protect yourself.

1) Have a Savings Account

This might sound simple, but most Americans don’t have one! They don’t have one for emergencies, for saving up for vacation, or to pay for things down the line they might need or want. If they had such an account, it would save them wasting extra thousands of dollars down the line to pay for things.

If you have an unexpected bill, you have our emergency savings. If you decide to buy a house and need a down-payment, you have savings. If you break your arm and are out of work for a few weeks, you have savings. It’s better to save money now rather than something big happening later and having nothing at all.

2) Use Cash

This is a big one. Use cash to buy things. When you budget your money, stick the cash in an envelop to prevent overspending. For example, if you set aside $150 for groceries, put that amount of cash aside. When you go to the store, you won’t be tempted to overspend thinking you can just pull out the plastic.

If you want to prevent credit card debt, get rid of the credit cards.

3) Budget, Budget, Budget

This goes with point two, but staying strict means keeping on a budget. Know what you want to spend on things and keep it at that level. By budgeting everything, you will have a better chance at saving money to go into your emergency savings fun by not overspending.

It’s also easy to incur late payment or overdraft charges. If must have a credit card for when times are tough, don’t leave your balance hanging. Pay it off as soon as you can.

If you were able to overcome debt in the first place, these tips and strategies are things you already know work. It’s important to keep up with them to keep your financial freedom. Saving money will always be the preferred way to go over piling on more debt and getting deep once again.

Written by adminJuly 30, 2018

Life Style

When you grow up during a time of turmoil, it can distort your thinking to the point of learning not to trust a certain institution…or you might get bit!

Can we really blame millennials for not trusting the stock market after the big collapse? During the past decade, millennials either struggled through it themselves or watched their parents fight to keep their homes and jobs during the worse economic disaster since the Great Depression.

The thing is, millennials say they’re confident in investing in the various vehicles, like stocks and bonds. 66% of them say they know what to do, but they seem keener on stuffing that money in a jar in the backyard rather than investing it. In fact, 2/3rds of young adults have decided it’s best to keep their money out of the market and in their own hands.

According to Ryan Bailey, the head of Bank of the West, they’re putting their money at risk by doing this.

“Millennials have been stuffing their savings under the mattress instead of putting their income to work through strategic investments. While this may seem safe, they are putting their goals at risk by keeping cash on hand. While they are young, millennials have time on their side and could be missing an opportunity to grow their savings over a lifetime.”

That might be exactly the thing on their minds. They’re still young and have plenty of time to plan for retirement. We’ve written previously about millennials not so focused on retirement just yet. They’re more invested on digging out of extreme student debt or saving to buy a house.

According to a survey, 65% of millennials say the Great Recession has given them pause to invest in the stock market. This is despite an extremely bullish few years that saw stocks rise to their highest levels in its history. It seemed as if a new record was set every other day, making those who dared to invest quite wealthy.

Still, millennials aren’t too concerned with their future. And it’s just not their age group. 21% of all Americans have no retirement plan or savings at all. Either they can’t afford to save or they aren’t too concerned. That seems to be a major habit of a lot of Americans as the economy gets better…live for today and they’ll worry about tomorrow when it comes.

Due to this fear, the Trump administration wants to make it easier for all Americans to prepare for retirement, either by saving or helping to incentivize employers to provide plans to their employees, with the second round of tax cuts.

Written by adminJuly 27, 2018

Saving

As the United States continues to move out of the Great Recession of the past decade, economic excitement is high. Jobs are up, unemployment is done, and optimism is through the roof. Tax cuts and promises of more tax cuts by the Trump administration has most Americans feeling pretty great about the future.

Despite this, recessions are a normal part of the economic cycle. Regardless of whether you’re prepared for it or not, the next recession WILL happen and it will come faster than you could ever imagine.

The majority of Americans who struggled during the last recession didn’t learn their lesson and kept pursuing the same behaviors that got them into so much trouble in the first place. They continued to add to their debt, refused to save money, and forced the government to spend trillions of dollars to keep the banks and other industries afloat.

There are a number of economic experts who believe the next recession is just over the horizon and say there’s a small chance it happens between the tail end of 2018 through 2020. In reality, the markets could tank in a matter of seconds and send this upward momentum into a tailspin.

If you want to be prepared so your family isn’t one of the millions who will suffer and struggle to get by during that time, there are steps you can take to make yourself recession-proof. Let’s look at several of them.

1) Create an Emergency Fund

It’s been previously reported that a majority of Americans don’t even have $400 saved in the event of an emergency. That’s bad news! If you lost your job tomorrow, how would you get by? Right now, you might not be without a job for long, as there are plenty of openings out there. But during a recession, work is often sparse.

$400 wouldn’t cut it. $1,000 is crumbs. What you need is at least six months saved in your account to help you for an extended period of time as needed. That’s good advice even during the good times, because companies still decide to close or move overseas no matter the economy. Be prepared for any emergency, big or small.

2) Reduce your Debt

If you have a bunch of debt, as most Americans do, it’s really to your detriment and makes life incredibly hard during a recession. In fact, high debt was one of the causes of the last recession, so when people stopped paying back what they owed, banks needed to be bailed out to survive.

You can consolidate and reduce your debt by calling Financial Helpers today. We can hook you up with various government programs designed to help Americans pay back student loans, reduce their debt payments, and so much more. Call us today to learn more at:

Call Now 1-844-332-2079

3) Balance Your Portfolio

A lot of investors pick a spot or two and throw all their investment into that, but it’s not a smart move. The market might be soaring today, but tomorrow could tank your whole investment. If you spread yourself out, you’re less likely to lose it all. There are a variety of recession-proof stocks and commodities that do fairly well even with everything else is dropping.

4) Improve Your Standing at Work

Most companies don’t shut down completely during a recession. Because so many customers are struggling, they lose money and end up cutting workers to save money. The more valuable a person is to their employer, the less likely they’ll be cut when bad news hits. The company will operate with reduced numbers until the turnaround happens.

5) Cut Costs

Paying off your debt will significantly make things a lot cheaper. If you have a car you’re no longer making payments on, and the house is yours, and the student debt is gone, you’re not making payments on those things. Cutting costs during the recession will be necessary, but cutting costs today to save money and pay debts TODAY is essential to survive.

In order to get through tomorrow’s recession, you must prepare today. Don’t wait until the last minute to decide you’ve been living above your means.

Written by adminJuly 27, 2018

Life Style

After Toys-R-Us closed their doors, many companies rushed in to grab their share of the market left behind. We’ve covered Party City staking their claim within the toy industry. They plan to rent out the abandoned box stores left behind and sell toys during the holiday season.

Amazon has also stepped up their toy game by expanding their toy sales. A lot of ecommerce stores took advantage of Toys-R-Us’ closing by buying up the remaining clearance items as prices were slashed, and resold them on their sites at regular price.

Now, Walmart wants in on the fun. On Thursday, the Walmart website launched their new shopping designation specifically designed for babies and their needs. It’s been dramatically increasing their baby selections for the past year in preparation for the launch.

The website will allow you to design your own nursery so you can choose the right styles that match the look you’re going for. Over the course of the last year, Walmart added over 30,000 items related to all things baby, which has helped online searches for baby items grow over 40%.

This section of the market has allowed Walmart to remain competitive with Amazon and has been a part of the larger overall redesign of their website. Midsummer is also the time when most babies are born historically, so the release of this section of their website is perfectly timed to meet demand and spark interest.

“It also follows efforts to create a new in-store experience in the baby department in more than 2,000 stores across the country,” said Lauren Uppington, the vice president of Walmart’s baby division.

Other stores aren’t going to sit by idly and let Walmart steal all of the fun. Target and Amazon have been making waves themselves within this industry.

Target has been making moves to expand their own private-label brand Cloud Island and offered free gift bags to future moms if they register at their stores. Amazon took things several steps forward by famously throwing Kim Kardashian a baby shower earlier this year, who returned the favor by plugging Amazon to her over 70 million followers.

These are the moves Toys-R-Us and Babies-R-Us should’ve been making all along to stay competitive within their niche, but in their abrupt absence, has left their competitors all fighting for a piece of the market.

This also proves without a doubt how powerful online shopping has become, sucking in a larger portion of all shopping dollars spent with each passing year.

Written by adminJuly 26, 2018

Life Style

Millennials get a lot of slack for being a generation who grew up in mostly wealthy households without much struggle. Many still live at home with their parents, well into their 20s and 30s.

Yet, despite a major debt crisis, crushing student loan debt impacting them directly, and an economy that’s still recovering from the Great Recession, Millennials remain a financially optimistic group of people.

TD Ameritrade conducted a survey that found 53% of millennials believe they’ll become millionaires in their lifetime. A majority of them believe they’ll retire early, before the age of 56.

Despite this burst of optimism in their ability to gain wealth, very few millennials actually know how to make that dream a reality. They haven’t developed a knowledge in how to properly invest and save their money.

The cruel reality is, the age of retirement is getting pushed back longer and longer, with many experts predicting that a lot of retirees will be forced to work until they die. Social security is dwindling to nothing and younger generations are taking on so much debt, it’s nearly impossible to save during crucial years when they need to start.

Millennials simply don’t have the financial literary yet to make a realistic retirement goal. Mass Mutual wanted to find out how many people from this generation actually knew about financial matters, and only 17% of 500 millennials got a perfect score.

As they age, they will be faced with the harsh reality that they simply weren’t prepared for life on their own.

This article isn’t meant to be a judgement of millennials, but a wake-up call. Life won’t turn out how they expected and they must be confronted with that reality as soon as possible if they hope to make it. The future looks grim, so they must be prepared for the fight ahead, as they will endure harsher obstacles than past generations did.

In fact, millennials will have to start saving money in their early 20s, which seems incredibly difficult if they’re living at home due to the high cost of rent and tremendous student debt weighing them down.

The best thing they can do for themselves is become educated on their options. If you’re paying back a lot of student debt, it is extremely difficult to save money. There are government programs that can help you pay off those debts MUCH sooner. Financial Helpers can help you navigate those tricky waters before the programs are shut down for good.

Give us a call to learn your options at:

Call Now 1-844-332-2079

Another thing is to look at ways to curb spending so you can pay off your debts sooner than anticipated. That’s why a lot of millennials still live at home. They simply can’t afford their own place and all the bills that go along with it.

But rather than piling debt on top of debt, millennials can use public transportation, not eat out as much, learn better budgeting skills, get a side gig, make coffee at home rather than the expensive coffee stores, and don’t get a credit card unless it’s low interest.

These steps will help, but it’s up to the person to take the time to gain better financial literacy and have a more realistic picture of their future finances.

Author Archives: admin

Attractions More Expensive for a Family Vacation

Free Is Always a Good Deal

1) Unleash the Power of Apps

2) Get Aggressive About Personal Finance Education

3) Follow Up on All Your Options

According to a Natural Disaster Survey

1) It’s a good idea to back up your records digitally or in the cloud.

2) Take good pictures of your property and set up security footage.

3) Use Wi-Fi

4) Invest in smart technology.

5) Find a way to communicate with the outside world.

Shark Tank Star Says Small Businesses Thriving

Growth is Everywhere

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