September is NATIONAL LIFE INSURANCE AWARENESS MONTH! Now is the best time to evaluate your existing life insurance policy and/or what type of life insurance is best for you and your family and/or business. Life insurance is the most flexible and leveraged product available to humankind! Let me cover some of the basics before getting into life insurance uses,…read more →
Are you or your parent(s) age 62 or older? There is an expression called “CASH IS KING!” During what I call “The COVID-19 era,” many employees and business owners have taken involuntary pay cuts. This income-reduction is stressful and makes it difficult to pay bills as well as saving for retirement. Unless you own a business, there are only so…read more →
In 1989, The FICO SCORE was released to the world by William R. Fair and Earl Isaac, who founded a computer software company. They developed and sold their first credit system back in 1958. FICO (short for the Fair-Isaac Co.) was the first credit-risk model that provided a universal and impartial tool for evaluating consumer risk. The FICO SCORE…read more →
It is Tuesday August 5thas I write this article, and in Rockaway Beach, a big storm (Isaias) is brewing, and the ocean is rough. As a surfer kid, we craved these “big wave” opportunities. Another 2020 storm has been brewing in the COVID-Era for the “Big 4” professional sports teams; Baseball, Basketball, Football and Hockey. The incoming “Financial Waves” have…read more →
Since we are in the middle of the summer and a pandemic, it is not feasible for most people to travel overseas. There has never been a better time to explore within the USA. I recommend considering Northern California: Mount Shasta: Beautiful mountain located between Redding and the Oregon border 3600 feet above sea level with hiking, museums, art galleries,…read more →
Having touched foot on 6 of the 7 continents, I have learned a lot over the years. Many families have held off on their summer travel due to the pandemic, and rightly so, as rules have been changing. I just returned from 2 weeks in Northern California. Travel has undergone significant changes since my trip to Australia this past January. …read more →
I probably watch too much news these days. It’s not easy to find positive articles. People often say, “when the dust settles, I’m going to do this or that.” The dust has begun to settle. What are YOU doing? The other day, I texted one of my Rockaway clients to check-in and see how he and his wife were doing. …read more →
You don’t need me to tell you that this country is upside down right now. There has never been a more important time to think clearly and adapt to the current situation. With 40 million unemployed and another 10 million not seeking work, many are in a “financial” survival mode. One in three Americans have yet to receive their unemployment…read more →
As you probably already know, other than the 5 boroughs, New York State has reopened this week. What does this mean for Rockaway and Queens? The way business owners decide to spend their CARES Act stimulus package Payroll Protection Program (AKA the Triple PPP) money, will have a direct effect on our economy and the unemployment rate through this summer…read more →
The question everyone is asking is; how can I maximize my time at home during this temporary COVID-19 “new normal” ? Try a few of these options: Take the Online New York State defensive driving course: You get a 10% discount for three years on your auto insurance premiums. Groupon has it for $19. Use their online coupon code…read more →
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