5 Reasons why 529’s are a waste of time Unless you are getting other people like grandparents to contribute money to your child’s 529 they are a waste of time for the following reasons: 1. They reduce the amount of endowment “free” money students can qualify for: Ex. With $100,000 in a 529 the first $25,000/year is on you! 2….read more →
Not only is credit a key factor in securing loans, potential employers may review an applicant’s credit and it’s also used to determine auto and homeowners insurance rates you pay. Don’t close old accounts: While this may seem counterintuitive, closing a card may negatively impact your credit. It reduces your credit-to-debt ratio and credit history which lower scores. Ask for…read more →
When people die, it’s not uncommon for their life insurance benefits to remain unclaimed because their beneficiaries didn’t know about the policy. Life insurance companies try to contact beneficiaries however people often move, don’t check their emails and sometimes change their names. Fortunately there are solutions for tracking down policies by using these 6 tips! Search for insurance documents: Look…read more →
Recently I had the pleasure of visiting friends in the far-north reaches of California. While the southern portion of the state is well known for its beaches and metropolitan attractions, northern California holds some notable destinations for travelers who venture north. Here are five attractions I had the pleasure of visiting recently. 1. Mount Shasta: A beautiful mountain town nestled…read more →
Crazy things can happen in split seconds especially with kids back in school. Follow these Hands-Only CPR steps to save a life. It might be yours one day! Take charge & delegate: Have one person call 911 on speakerphone, one wait for the ambulance and one get the AED (external defibrillator). Check their breathing: You want to check their breathing…read more →
For kids, shopping for new gear and supplies may be the coolest part of going back to school. This doesn’t mean you need to “break the bank”. Try these tips to save big money this year. 1. Make a list then check the house first: Go through all closets, utility drawers and storage areas first. You may already have many…read more →
My mother Sharon and I have been enjoying and experimenting with iced coffee for many years now. The picture shows 9 brews in my kitchen cupboard from all around the world. Have your 1st cup @ home: 10 years ago iced coffee was half price vs hot coffee. Now it’s usually more expensive. Break the habit and have your first…read more →
London is a fantastic place to visit however it can burn a hole in your wallet or purse. It’s approximately $1.25 for every 1 pound (Lb). Check out 6 must-see options below: The British Museum: Ranked in the Top 25 place in the world to visit, this massive museum houses priceless artifacts from all 7 continents. It’s set up by…read more →
Wishing all fathers a Happy Father’s Day! For many working full-time, finding time to golf other than weekends and holidays can be a challenge. Follow these 6 tips to ensure you and Dad can have a great golfing day this weekend: Plan in Advance: Most golfers book dates between 2-4 days in advance. Try and reserve your tee time as…read more →
April flowers bring May spring flowers which bring more allergies. Now’s the time many folks suffer from allergies. I’m a sufferer from several chemicals including fragrance which is in everything or it seems. Forced to change all my household supplies, heed these tips to avoid suffering and feeling like you’re sick: Look for the Asthma & Allergy Friendly Mark: Being…read more →
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