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Cash Flow

‘Tis the Season to Lower Your Tax Bill

In the last couple of weeks, we’ve seen an increasing number of television commercials featuring sleigh bells and fluffy fake snow. The Sunday paper is stuffed with advertising inserts to help us find the perfect gifts. Obviously, it’s that time of year again. Time to...

A Budget By Any Other Name

Living within a budget would seem to be a perfectly straightforward proposition. The first part of the task is creating the budget. You list all of your income, then list all your expenses, add them up and compare the two. The second part is following the budget. You...

What Are You Saving For?

What are you saving for? For financial planners and other financial advisors, it’s easy to become immersed in the details of investment portfolios and retirement plans. Those of us who get excited dealing with the mechanics of investing—the “how”—sometimes forget that...

Using A Debit Card? Say “Credit”

If you are a debit card user, there is a little-known tip you can use to eliminate paying any fee associated with your debit card, increase any card rewards, and pick up a little extra fraud protection.  How do you do that?  After you swipe your debit card...

Conscious Cash Flow or Savings?

Call it what you want, just do it! One of my friends—coping with two upcoming family weddings, an elderly parent’s poor health, and looming deadlines at work—said with exasperated resignation, “I’ve decided life just consists of interruptions, and I might as well get...