Beware of Black Friday!
Black Friday. It’s the most anticipated shopping day of the year and the unofficial beginning of the Christmas shopping season. It’s a day when many excited shoppers line up at their favorite stores in the wee hours of the morning, hoping to score this year’s hottest gifts. And while the potential to save oodles of [...]
‘Tis the Season: Plan Your Holiday Spending Now
Whether you’re ready or not, the month of December will soon be here. For most of us, that means lots of expensive gift giving and costly entertaining. Some people plan ahead by shopping for presents all year round. Others have budgeted and saved methodically for the season. But if you’re like most, you’re probably getting [...]
How to Avoid Wasting Food
I do the grocery shopping for my family of four. I also try to fix dinner every night, but sometimes I’ll cook more than I should. I keep the leftovers, which somehow end up hidden in the back of the refrigerator. By the time time I remember they’re still there, I have to throw them [...]
Marry or Live Together: The Financial Pros & Cons
It goes without saying that the decision to get married should not be based solely on financial gain—unless of course, as with some couples, it’s your reason for getting married in the first place. Simply consolidating your homes under one roof, by living together without tying the knot, can offer indisputable savings. Sharing one rent, [...]
Marketing to U.S. Latinos: Those Aren’t Our Parents’ Commercials Anymore!
When it comes to marketing to U.S. Latinos, there’s doing it, and then there’s doing it right. Everyone wants a piece of that reported $1.3 trillion pie—the annual buying power that Latinos in this country represent. Who can blame them, right? I mean there’s a whole bunch of us and we do like to buy [...]
An Open Letter From a Financial Planner to His Daughter
Do you feel uncomfortable talking to your kids about money? You´re not alone! Perhaps you learned from your parents that it’s an improper topic of discussion. Whatever the reason, we live in a different world than our parents did, and one for which I feel the need to prepare my children. So I decided to [...]
12 Reasons Why You Need a Will
Many people believe that only wealthy people need to write a will. Others dismiss the importance of a will because they don’t have children. And then there are those who know they should have one, but aren’t sure why. The truth is, whether you have lots of money or not, whether you have no children [...]
The Financial Cost of Owning a Dog
We’ve given them the title of Man’s Best Friend because they protect us and love us unconditionally; and in return, we treat them like family. If you’ve ever owned a dog, you know how much fun and rewarding they can be, but you also know they come with a price…literally. Whether you already have a [...]
Know the Fees that Eat Away at Your 401(k)
Employees that invest in their company’s 401(k) plan should be able to understand their statements. A new rule from the Labor Department will, for the first time, enable many investors to understand how much of their investment dollars are going up in fees. “I know it’s there and that there’s money involved for me, but [...]
Quick Facts for Latinas About 401(k)s
A new study from the national Centers for Disease Control and Prevention says that most Latinas will live an average of 83 years. That’s great news until you start thinking about how you’ll live once you stop working. According to the Ariel/Aon Hewitt Study 2012, Hispanics have considerably less—35% less—money invested than Asian-Americans and Whites. [...]
