Financial Focus

Month: July 2010

  • Do You Have A Secret Financial Life?

    As a Dave Ramsey Certified Counselor, I like to occasionally listen to Dave’s radio program.  I get the podcast and, if my schedule allows, I like to listen to what is happening to people all around the country.   Recently, I was deeply saddened by an email that he read on his broadcast.  It may…

  • Prepared, Not Paranoid…

    Recently, I spent some time working with a client and we were talking about building an emergency fund.  That fund, sometimes known as a rainy day fund, is in place to help us get through troubling times and survive.  Those troubling times come under many variations.  A job loss, loss of a family member, a…

  • No 2011 Budget? Do They Really Think You Are Crazy?

    Let me start by saying that, YES, they really do think that you are crazy.  They think you are stupid, irresponsible and dependent on them.   Ok, I answered that question from the title, but the real quesiton is what are they thinking of. Who am I talking about?  Your U.S. Representative and Senators.  Most…

  • Watch Out For Those Fees

    Over the last year, financial institutions have been looking for additional ways to make money after the laws were put in place to “protect” the American consumer.  Congress decided that they were going to fix the problem of credit card companies taking advantage of people who had charged on their personally held and signed up…

  • Keep Your Mortgage Paid!

    Yesterday reports hit the news about the growing number of U.S. mortgage foreclosures for this year.  It is frightening to know that we are on track to foreclose on more than 1,000,000 houses this year(2010).  So far this year, over 528,000 families have been affected.  Even more frightening is that there were 900,000 affected in…

  • I Love When Clients Leave….Like This!

    A couple of days ago, one of my client couples came to visit for the last time as part of their program.   I really wish every client left my programs just like this, but is most cases they do not.  This client came bearing a gift. They informed me, while I was opening the…