Author Archives: Louis

Behaviors of the”Financially strapped “

In this time of financial hardship, so many Americans are wondering how they can escape a life of having to struggle day-to-day and year to year. We can talk all we want about saving and planning for the future, but we must get more specific if we are going to overcome the challenges we face. […]

Financial Mistakes most graduates make..

Graduating from college and entering the “real world” can inflict total chaos on your life: Suddenly, you have to figure out how to feed yourself without the assistance of a 24-hour dining hall. It’s overwhelming, but not insurmountable. These mistakes and their solutions, adapted from Generation Earn: The Young Professional’s Guide to Spending, Investing and […]

Jobs report effects rates

It is unusual for the monthly employment report to be released on the first day of the month. Friday, the first day of June, was an exception. Logically, you would think that data released this early would be subject to a higher level of revisions, but we have no statistics to support that theory. What […]

Increase my Credit Score Now!

Recent changes in lending rules have made your credit score even more important to your long-term economic health. Mortgage, credit card, auto and other lenders are now charging a higher rate for lower credit scores. Someone may now pay more for insurance or rend based upon their score. What does this mean? In general, America’s […]

Renters Need Insurance Too

Sometimes, mistaking a myth for a fact can be extremely costly. Take, for example, the myth that the only people who need to insure themselves against fires, floods or other disasters are homeowners. Everyone realizes that a property owner needs an insurance policy, but many renter’s overlook the fact that they, too, need coverage. “Some […]

Save more money now…with small changes!

You may think you’ve done it all: You’re careful with a buck, don’t over indulge, and stash away as much as you can for future goals. But while it may not seem as if there’s any more you can comfortably squeeze from your budget, there are ways to save more–painless ways, in fact–to save $50,000 […]

Current Economic Climate

After a deep recession in which we lost approximately eight million jobs, America’s economy has been quite consistent with regard to the creation of jobs during the past several years. For example, during the period of 2013 to 2017, just over 10 million jobs were created. That comes to just over 200,000 jobs per month. […]

Time Management 101

There is no doubt that time is a business person’s most precious resource. In fact, time is everyone’s most precious resource. We never realize how precious time is until we run out of it. George Burns had 100 years, yet he never had time for his final performance. We all waste too much of this […]