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Financial Regulations Protect Consumers–Sometimes

The financial services field is one of the most regulated in the United States. I’m told that our regulations are as complex as those in the medical field. This makes sense; our health and our money are two important pillars of wellbeing. Preventing harm to...

Digging Yourself Out When You’re Financially Stuck

Last week’s column on being financially stuck focused on getting help. But what if, for various reasons like affordability or availability, outside help isn’t a practical option? There are some steps you can take yourself to begin getting financially...

Asking For Help When You’re Financially Stuck

What do you do as a driver if your car gets stuck in the mud or a snowbank? You probably try shoveling, rocking the car back and forth, or putting something under the wheels. Sometimes, though, you can’t get unstuck by yourself; you have to call for help. What...

55 Companies Pay No Taxes–And There Is A Reason

A tweet by President Biden on October 20, 2021, got my attention: “Here’s the deal: If you spent $3 on your coffee this morning, that’s more than what 55 major corporations paid in taxes in recent years.” The president has used this statistic...

Conscious Bequests: Inheritances That Help, Not Harm

One of the biggest conundrums of estate planning is considering how, or even if, you can give money or property to your heirs in a manner that will help them. How can leaving money to someone not be helpful? Research shows that receiving a lot of money can certainly...

Finding a Financial Life Planner

The difference between a traditional financial planner and one that practices financial life planning is significant. The former focuses on the dollars and cents of making good financial decisions, while the later adds the more complex human component to the process....