Scott Jones, CRCP®, RFC®

  • Financial Advisor
  • Mount Laurel, NJ   
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Scott Jones honed his retirement planning skills for over 9 years with Ameriprise Financial as a Financial Advisor and Advisor Coach prior to founding Jones & Associates Wealth Management.
When not at the office, Scott enjoys spending time with his wife, JoAnne, who is a special education teacher in the Jackson School District. He enjoys golf, saltwater fishing, reading, playing guitar, and attending local sporting events.
Scott gives back to the local community by volunteering with several local charities such as the American Diabetes Association, Cancer Research Institute of New Jersey, Habitat for Humanity and Bancroft NeuroHealth.
Scott is active in supporting the South Jersey business community through various organizations such as:South Jersey Business Alliance-Founder
Business Networking International-Past President & Vice President
National Association of Women Business Owners (NAWBO) South Jersey-Marketing Director 2011-2012
Some of the highlights of Scott's career include:
Obtained the Chartered Retirement Planning Designation(SM) from the College for Financial Planning in 2008.
Obtained the Registered Financial Consultant Designation from the International Association of Registered Financial Consultants in 2012.
Named in Philadelphia Magazine as a 5 Star Best in Client Service Wealth Manager in 2009, 2010, & 2011. (Criteria for this award)
Named in The Philadelphia Business Journal as a NABCAP Premier Advisor in 2010. (Criteria for this award)
Maintains Series 7, Series 66, Life/Health licenses.

Expert Articles by Scott Jones, CRCP®, RFC®

Finding a New Job

Prepare a financial plan in advance of being laid off
Change can be intimidating, especially if it wasn’t by choice. Unfortunately, change is also inevitable for most of us when it comes to our jobs. Following a few steps can put you and your finances ...

Expert Articles Sponsored by Scott Jones, CRCP®, RFC®

Credit and Debt Management

How to rebuild your credit after clearing up debt problems
With the right plan in place, you can secure your financial future in spite of the chaos of our current economy. The key is to build good financial habits to replace the bad ones that landed you in fi...
How to pay down credit card debt on your own
Paying down credit card debt on your own is possible for many people. Instead of feeling overwhelmed, start by creating and using a simple monthly budget. Then choose either the avalanche or snowball ...
Avoiding holiday debt
Learn how to create a strategy that helps you avoid depending on credit cards and racking up too much debt during the winter holidays. With careful planning and the right amount of preparation, you ca...
Stay out of debt and within your budget when shopping for the holidays
With just a little effort and planning, you can create and use a simple holiday budget. When you work from a budget, your holidays can be far more carefree. Ultimately, you will be able to focus on jo...
Get a credit card with low interest rate and great rewards program
Applying for a credit card requires preparation, so make sure you take the necessary steps beforehand to set yourself up for continued financial success....
Avoid late fees and lower interest charges with debt consolidation
With debt consolidation, you may be able to simplify on-time payments. But remember that it does not address the need to look at the root problem. It will be important to make a commitment to turning ...
Choose the right debt consolidation company to help pay down your debt
If you are facing too many accounts with too-high minimum payments at crippling interest rates, debt consolidation services may offer a solution. The rule of thumb in choosing a company is “buyer be...
Teach your college student financial responsibility with a credit card
If you follow this advice, it can serve as the basis of good financial responsibility going forward. Since this is the first time your child will be making financial decisions independent of you, the ...
Avoid bankruptcy, take control of your debt, and repair your finances
For some, bankruptcy is a viable option. Yet, there are many other ways that you can settle your debts and repair your finances without an extreme measure such as bankruptcy. Whatever route you choose...
How to stop harassing phone calls from debt collectors
The only real way to ease the burden of the debts and truly stop the harassing phone calls is to settle your debts. Explore your options and find the right program for you. Research your options to pa...
Be financially responsible with your credit card while in college
Remember, having a credit card is a huge responsibility and any mistakes you may make now can impact your ability to take out a new line or credit or a loan in the future. Before you know it you will ...
Credit counseling can reduce monthly payments and pay off debt
Credit counseling can be very helpful for individuals who can stick with the program over several years, and who can make the payments resulting from a lower interest rate. If you do have debt, make s...
Understand debt settlement to help deal with your debt problem
Debt settlement, also referred to as debt resolution, is a serious process for people in serious debt. For those who qualify, it can provide significant benefits: lower monthly outlays, reduced debt, ...
Choose a trusted debt settlement company to help resolve your debt
When it comes to getting debt help, selecting a solid partner that will help you is critical. For those who are looking for a trustworthy organization to help win the battle against debt, these consid...
Expert advice on how to deal with a debt collector
If you are working in good faith to repay your debts, don’t let debt collectors harass and intimidate you. You have the right to be treated with respect while you work to get out of debt and find yo...
How to negotiate outstanding debt with a credit card company
It’s possible to successfully negotiate debt with a credit card company, but it is imperative that consumers know their rights when it comes to federal credit card laws. Do your homework first, that...
The importance of debt: Is there such a thing as healthy debt?
Remember to focus on lasting value when evaluating whether a debt is healthy or unhealthy. Healthy debt will provide lasting value, and is aligned with a long-term goal (e.g., a mortgage enables you t...
How to improve your credit score and ensure financial health
Beyond financial institutions, potential employers, landlords and even cell phone providers may look at your credit score to determine whether you’re a good credit risk. Credit scores also play a pa...
Everything you need to know about credit reports and credit scores
It’s important to distinguish between credit reports and credit scores. Knowing the details of your credit report as well as the meaning of your credit score will help you identify financial strengt...
How to recognize and avoid a personal financial disaster
The signs that you’re flirting with a financial disaster may not be clear when committed individually, but a few of these combined should be an obvious red flag to any consumer. However, with a litt...
How and why your should improve your credit score
Getting your credit back to where it needs to be so that you can do the things you want to do isn't an impossible feat. It just takes a little patience, checking your credit report regularly, disputin...
How to negotiate a lower interest rate on your credit cards
If you want to negotiate a lower interest rate, do your research, call and ask, and have a back-up plan in place. A lower APR will save you money and reduce your credit card debt. These potential savi...
Lower your credit card interest rate with a phone call
When attempting to renegotiate your interest rates, it is important to be prepared before you pick up the phone. Make sure you’ve done your research and that you’re ready with any necessary inform...

Marriage and Couples

Get help if you are unsure of your marriage or relationship
Making a decision about changing a relationship is one of the hardest things that people do. When there are kids involved, that decision making process is even harder. Give yourself the time that you ...
Date night is a must for parents to ensure a healthy relationship
Finding the opportunity, and the courage, to spend time alone with your partner isn’t easy for many parents. Not only are there the very real demands of modern family life, fear and hesitation may b...
Parents can still have a romantic relationship while raising kids
Most long-term couples - especially parents - go through periods when their romantic life loses its vitality. While it can be pretty distressing, try to regard it as a normal stage in the life span of...
Admitting when you are wrong supports a healthy relationship
Remember, the one who apologizes or gives into their partner is not admitting they are wrong, but supporting their relationship over their point of view. And true love always overcomes self-righteousn...
Save your relationship with an experienced marriage counselor
You want to pick a marriage counselor who has a good amount of experience and who focuses on marital issues as his focus of work. It is also important to get a counselor who will help you experience c...
Expert advice for a strong and passionate marriage and relationship
Strengthening your marriage is a necessity, not a luxury. Marriages cannot afford to be in an inert or status quo state. We need to work on ourselves and the relationship to get the most out of it. As...
Expert advice on meditation and how it can improve your relationship
Meditation, being mindful, and appreciative will improve all aspects of your life and relationship. Just like going to the gym, the most important thing is to start and be consistent, and all the bene...
Get the love you want in your relationship with help from a therapist
You may ask yourself, what can I get out of couples therapy? The answer lies in what you are hoping to learn about yourself, your partner and/or your troubled relationship. People go to couples counse...
Maintaining sexual and emotional intimacy is vital for parents
Many couples will make changes in their lives for the sake of their children before they will do it for themselves. But having a thriving, robust sex life is possible when you have children. In fact, ...
Expert advice for keeping the romance alive after having a baby
Most new parents feel daunted by the difficulty of keeping their sex life alive. Faced with the multitude of challenges that come home with the baby, it can feel like an unsolvable riddle. But with so...
Do you tell your fiancee that you don't love the engagement ring?
The Maybe Factor: If it’s a family heirloom, all bets are off and a whole new set of rules apply.Prevention is always best. If you slip your partner hints from the beginning, most of this could have...
Emotionally connect to make it a good relationship and marriage
Emotional connection is an essential ingredient in a healthy relationship. It is built and destroyed by the way you handle little everyday things. As the saying goes “The devil is in the details.”...
Parents can rekindle their intimacy to create a strong marriage
Intentional acts of love, kindness and sensuality stimulate the part of our brain that thinks, “Yes, I am a sexy person and not just a parent.” These small connections may not be explicitly sexual...
Great first wedding anniversary gift ideas for your husband
Whether it’s a special watch, cufflinks or a ring, there are many unique jewelry pieces that you can purchase for your husband on your first wedding anniversary. Consider these tips to find the perf...
Fostering strong connections is essential to family well-being
Creating traditions of connection in your relationship is vital for building a lasting bond. Work with each other on introducing and nurturing behaviors that will put you back on the path towards each...
Create meaningful relations by nurturing fulfillment and intimacy
Sustaining long-term intimacy is real and attainable. By following these steps and making a commitment to practice, you can achieve new levels of happiness and fulfillment with your partner and in you...
Understand the 4C's and get the best value when buying a diamond
From understanding diamond grades to knowing your lady’s preferences, from asking if a diamond is color treated to watching out for simulants, it’s important to have background knowledge before yo...
How to create the perfect marriage and avoid divorce
The power to create a successful marriage lies in our very own hands. Divorce can truly be avoided if we each do our part to foster a climate of love, devotion and commitment. We must recognize the pa...
Plan the perfect Valentine's Day for your wife or girlfriend
Valentine’s Day is about celebrating your relationship, and expressing your love. It’s the thoughtful little things that show you truly care; so swap the pricey present for a new experience togeth...
Tips to ensure parenting does not interfere with your marriage
Being a parent is tough. But it doesn’t have to interfere with your marriage. Parenting and marriage should both be fun. And if one is causing problems for the other, that’s a sign that you are do...
How to put the sizzle in your sex life regardless of your age
Acknowledge, address and resolve your issues in and out of the bedroom. We all need more fun in our lives. So beginning today, talk to your partner and jointly make a decision to take whatever steps a...
Improve your marriage and relationship through better communication
Even if your relationship is on a rocky road at the moment, smoother sailing can be just ahead. Strengthening your communication skills and making time to connect every day will go a long way to impro...
An unplugged weekend getaway will do wonders for a relationship
A change in scenery and pace creates the opportunity to change your perspective. Getting out of your routine shakes things up and helps you rediscover and rejuvenate yourself and your relationship. Th...
How can married couples thrive when one partner has adult ADHD?
It is possible that you are one of the millions of couples whose relationship is on the rocks because of undiagnosed adult ADHD. If you think you detect symptoms of ADHD, such as chronic distraction a...

Caring for Aging Parents

Advice for elderly families in transition
Having parents or elders age forces conversations between parents and children around elder’s wishes on housing, care and end of life directives. These can be uncomfortable conversations but are nec...
Help your elderly parent maintain independence with good communication
Many of these suggestions are common themes in successful communication between adults. Mutual respect and courtesy is a must, and developing new skills, along with practice, is a constant. The reward...
Get help caring for an elderly parent with this expert advice
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Get long-term care that is the right fit for your elderly parent
Finding long term care for your loved ones is not something to be taken lightly. There are many options and it’s important to know the wishes of your loved ones and to be informed about the differen...
Discussing difficult life issues with aging family members
Talking with aging family members about difficult life issues is not easy. But mapping out the conversation ahead of time and avoiding major pitfalls can make important family discussions more positiv...
Managing the stress often associated with family caregiving
Reaching out for love and support can be a sure-fire way of sustaining yourself as a caregiver and the well-being of your loved one. When done mindfully, respecting your own needs and preferences, as ...
Minimize the holiday blues for seniors suffering from depression
As a caregiver or family member of a depressed older person, make it your responsibility to get involved. You can make a significant difference and remove or lessen the holiday blues for seniors suffe...
Talk openly by starting a care conversation with aging parents
After conversing with a loved one’s doctor or care provider and determining what type of care center is most appropriate, a family can explore options within their community that fits their budget a...
Preserve the dignity of your elderly parents by caring for their needs
Together we can work toward making a difference in the overall well-being and preservation of dignity of the elders in our communities, who, indeed, are deserving of our care and respect. Help your el...
Navigating the challenges of becoming a caregiver to aging parents
Caring for aging or sick parents can bring rewards, but it also comes with challenges. Take the steps to assist your parents in getting their legal documents in order before caregiving becomes require...
Advice for seniors moving to a smaller home or retirement community
Move while you are the one in charge. If you put in the work up front, during the planning and sorting phase, your move will be much smoother. Let experienced movers, such as Senior Move Managers, ass...
Advice for managing the depression of your aging loved ones
Depression is the most common mental illness affecting seniors, and the signs should not be ignored. In fact, the elderly have the highest rate of suicide out of all age groups. While today’s treatm...
How to best approach your parent on moving into a nursing home
Responding to the needs of aging parents is a difficult and emotional process for everyone. Adult children need to communicate clearly and directly with the parent while being respectful and caring. A...
How to find a good home care agency and stay in your home
Mom and dad have made the decision to stay at home instead of moving to a assisted living facility. You know that in order for them to be safe and comfortable they are going to need assistance. Home C...
Loved ones can help seniors though the progression of Alzheimer's
Alzheimer’s affects more than 5 million Americans, and the disease has an impact on the entire family. While adult children become caregivers for aging parents, young children and teens need support...
How to ensure the safety of your aging parents behind the wheel
Aging does not necessarily mean a person's driving days are over. However, it is vital to ensure the safety of your loved ones on the road. This begins with learning more about how to detect problems,...
Maximize rewards and minimize stress when caring for aging parents
Having parents age and fail is unsettling emotionally and disruptive in many other ways. Caregiving can be extremely taxing and very tricky to navigate, but it can be deeply rewarding. A major key to ...
How to help and support your aging parents as they grow older
Keeping these simple guidelines in mind will not only help improve the relationship you have with your parents, but it will also ease the stress that invariably accompanies changing roles. We all want...

Aging and Longevity

Your elderly parent fell? This could change everything
There are rarely any easy answers when circumstances for seniors change quickly due to illness or injury. The best approach for adult children is to gather as much information as possible, turn to tru...
Choose a trustworthy and qualified caregiver for your elderly parent
Choosing a caregiver for your parent is an important decision, and it can be an emotional one as well. The caregiver that you choose assumes a great deal of responsibility; he or she becomes a part of...
Empower yourself as a senior because you deserve a better lifestyle
This may seem pretty serious and business-like, but when you think about it, the business of life is very serious and your future independence relies on it. You have earned your seniority position in ...
Prevent falls as a senior by creating a safer living environment
Fall prevention is protecting our seniors. This issue has become such a meaningful matter that our Senate has passed a bill making September 22, National Fall Prevention Awareness day. We don’t want...
Discover in-home healthcare options that are safe and comfortable
Today’s healthcare options range from home care and medical alert systems to assisted living and skilled nursing homes. When choosing the right care option, it’s important to consider your health ...
Live longer and feel younger by delaying old age as late as possible
Aging is inevitable, however, old age is optional and personal. It depends on your state of mind and your beliefs about aging. Becoming a vibrant youthful thinking independent 80 year old is far more ...
Embrace the change of moving into an assisted living facility
You can choose to view your move to an assisted living facility as a life sentence or as a new chapter, brimming with possibilities. The way in which you view your circumstances is your choice to make...
Choose a qualified in-home caregiver from a reliable provider
Everyone is different and has unique support needs, so the biggest piece of advice I can offer is to ask a lot of questions and get to know the individuals and companies well before committing to them...
Keep your independence with the help of an in-home care agency
Choosing a caregiver agency can be a daunting prospect, but the information presented here should provide a checklist to make the interviewing and selection easier.The main things to remember are that...
Reduce the effects of aging using vitamin and nutrient supplements
Supplementing your diet with the correct amount of vitamins and other dietary supplements is key in optimizing your health, especially at old age. Make sure you get your fill of omega-3 fats, probioti...
Overcome your fear of death by embracing love and happiness
So as you can see, most of this advice is about living with love, and in the present moment. Whether we’re living a normal life in normal time, or whether we’re in the end or last stages of life, ...
A life coach can help you reduce stressful decisions in retirement
Those of us who have coached clients know the extraordinary impact coaching can have on people’s lives. Be committed to having a fulfilling life and don’t settle for anything less. Feel empowered ...
Planning and preparation can help with the care of aging parents
While no one likes to talk about these issues, it is critical to have a legal and financial plan in place. There are many situations in which a medical crisis occurs, and while last minute planning ma...
Age gracefully with a positive attitude, strong mind and healthy body
The secret to aging gracefully is taking good care of yourself as you age. Drastic measures like plastic surgery can be avoided by taking the right steps to stay healthy, strong and lean. The sooner y...
Expect spiritual expansion and change when experiencing hospice
The above material hopefully has help you see how your spiritual life can greatly expand through the hospice experience. Let’s all take the time and energy to dive deeper into our spiritual lives an...
Forgetful? Memory enhancement is still possible as you age
Medical advances have made it possible for us to have a much longer lifespan. We all know we should eat a healthy diet, exercise regularly, and control our stress, but now there is another factor to c...
Help managing Parkinson's disease symptoms and getting treatment
There are still many questions that need to be answered about PD related to causes, diagnosis, symptoms and treatments. Studies and clinical trials are being conducted around the globe. It is imperati...
Embrace hospice as a guide on the journey through terminal illness
There arguably is no more compelling example of compassionate care in our healthcare system today than hospice. Hospice staff and volunteers can be angels on earth, whether they are providing care in ...
Ensure you track and take your medications on time
It is very important that you take your medications as prescribed, on time, and in the correct dosage. It is also equally important to ensure you are taking the medication you are supposed to be takin...
What can older adults expect from assisted living communities?
Assisted living communities provide a wonderful option for seniors to maintain as much independence as possible, with the security of knowing that, as their needs change, they can receive support and ...
Understand Alzheimer’s disease and the care options available
The prevalence of Alzheimer’s disease in our country is increasing rapidly. It is critical to understand the distinctions between normal memory loss associated with aging and very specific impairmen...
Using modern technology can help elderly people with dementia
While researchers and scientists focus on finding a cure for dementia, the person living with the disease is often left out in the cold. Technology, when delivered appropriately, can be a huge tool in...
Age beautifully and gracefully to help stay healthy and happy
Aging well is really all about being happy and healthy at each stage of life. No age is better than another and being young is no better than being old- each one has its charm. You are the creator of ...
You may be able to stay in your house with home care assistance
Home care is right choice for millions of Americans to help them stay in their homes for many years safely and comfortably. Often times this option is more cost efficient than skilled nursing homes fo...

Divorce and Separation Law

The right way to separate
Again, separation is more than taking a break from your marriage and living apart from your spouse.  It is an important time to plan and reflect on you and your family’s legal, financial, and emoti...
What to do when "I do" turns into “I don’t”- A Divorce Guide
A divorce involves one of the most emotionally trying times in your life. You should be as prepared as possible to act in your own best interests....
Legal guidance for co-parenting a pet with your ex
 Life has a way of throwing us curve balls and how we adjust to them can be the difference between a happy and not so happy life. No one heads into a marriage expecting to get divorced, but when it h...
How to choose the right divorce attorney for your divorce
When it comes to finding a divorce attorney, be thorough in your research. Take into account credentials as well as personal chemistry. Be clear on all the fees upfront. Make sure you are in agreement...
Negotiating alimony during a divorce
A woman in the midst of a divorce proceeding once said “Marriage is about love. Divorce is about money.” This is so true. Alimony is one of the key money matters that must be negotiated and settle...
A parenting plan means more than trading weekends with your ex
Co-parenting is more than simply co-scheduling. Children of divorced parents can and do thrive on the same consistent rules and constructive communication as children of married couples. Taking the ti...
Divorcing and divorced dads succeed when they put the interests of the children first
Most men and women do not realize that they put their children in the middle of their disputes. It’s not something done intentionally, but you need to remember that your anger is not your child’s ...
Fathers will win child custody battles if the children are the priority in everyday life
Being a good dad means both talking the talk and walking the walk. Everyone from the ex to the kids to the guardian to teachers, coaches, neighbors, doctors and shrinks is watching. Show them all what...
Take precautions to ensure a quick and fair high net-worth divorce
The issues facing high net worth divorcing families are often different from the issues faced by lower/middle income divorcing families. As such, they must be planned for and approached in a manner be...
These child support basics will benefit you and your children
The most important thing to remember is that child support is about the needs of the children. They need support in a number of ways, financially for sure, but also emotionally by not being made a lig...
Men will prosper in a divorce by focusing on these practical solutions
As in all things, if you get educated about what’s before you and go into it expecting the worst, the chances of it being worse than you expected are about even. Get a lawyer you can get along with,...
Be realistic, reasonable and communicate for a successful divorce
It is understandable that through divorce and separation many emotions will arise between both parties. However remember that the legal system is not a tool that you can use to gain revenge against th...
Find hidden assets that your spouse has not declared during divorce
Divorcing couples must know where all the assets are. Neither side has the right to hide money and every right to use all the means necessary to discover where the assets are and what their value is. ...
Divorce mediators help you settle differences and save money
Divorce mediation is one way to settle issues relating to your divorce. Before selecting this process, it is important that you fully understand what a mediator can and cannot do, that you obtain lega...
Mediation can help you get what you want in divorce and save money
Mediation is an effective, relatively inexpensive way to settle divorces. However, you have to be prepared, be in control of your emotions, and be realistic about the results. Good legal and financial...
Know the difference between custody and shared parenting in divorce
Shared parenting and custody are often confused terms. As you can see, they are separate concepts. Shared parenting is a likely outcome for a situation where you and your ex are no longer together. An...
Parents considering divorce must protect themselves and kids
Making the decision to hire an attorney to represent you, as opposed to choosing to represent yourself, may be one of the most important decisions you will ever make. This decision can have an impact ...
A collaborative divorce avoids a court battle and reduces costs
Collaborative divorce is an alternative to a drawn out court battle. The process might result in an easier transition for the parties and their children. But collaborative divorce is not for everyone....
Choose the right divorce attorney to protect you and your family
Divorce can be devastating, especially when children are involved. Picking an attorney you like and trust and who has experience and knowledge will make a difficult time of life better for all parties...
How to get an annulment when there is misrepresentation or fraud
Annulment is different from divorce, but still requires legal representation and a court case. Be sure your circumstances meet the requirements for an annulment, and not a divorce, before you proceed ...
How to ensure your ex-spouse complies with the court's orders
Judges generally do not take kindly to those who consistently flout their orders. However, because the possible penalties for violating a court order include incarceration, it is important that your e...

Estate Planning

Planning your funeral service in advance gives you peace of mind
Beginning the pre-planning process presents several choices to consider. A good start is by searching online for a funeral service that suits your needs. Simply making an appointment at a funeral home...
Advice for selecting the right estate planner for your situation
Like any other professional engagement, the biggest problem is often finding the one you are comfortable with and who possesses the skill and knowledge to address your situation properly. The list of ...
Having a baby? Create an estate plan to protect your family
Don’t feel that setting up an estate plan when preparing for a baby is one more burdensome item on your list. Embrace the moment but think about how you’ll want your spouse and new addition taken ...
Create a well-designed estate plan for you and your family
There are many shapes and sizes of estate plans, from basic to very complex. Finding the one that is right for you takes some thought and planning, but is not that difficult to do. Approach the proble...
A well-rounded estate plan will help protect your family
Compile and evaluate all of your assets and think about how you’d want them safeguarded after you’re gone. Think about how you’d like your spouse and kids cared for. Finally, consult with an att...
Receive an inheritance recently? Here is expert financial advice
Receiving an inheritance leaves most people feeling overwhelmed and confused. Figuring out how to manage it can be financially and emotionally draining on something that should be a real blessing. Pla...
No family to pass your assets to? Advice for creating an estate plan
An estate plan is a personal thing, so make sure your assets go where you would like them to after you’re gone. Trusting those who are put in charge of caring for those assets is important and you s...
Plan your funeral service and ensure your wishes are fulfilled
Funerals are meant to provide ceremony around the loss of a loved one, which will help those left behind to grieve. Grief is a complicated and difficult emotion, so helping families walk the path of g...
Choose the right casket for your loved one when planning the funeral
The purpose of a funeral is to celebrate a life well-lived. Choosing the right casket is just part of the funeral experience, but it can be one of the most overwhelming given the sheer number of optio...
Advice for choosing a qualified estate planner
Creating a legacy for your family is important. If you want a will or trust that will ensure that the wealth you have created is passed to the people you want, they way you want, with the least cost a...
Save your family the time and stress of probate with your estate
Taking the time to understand your options and to set up non-probate options such as revocable trusts, TOD accounts, or lifetime gifts can protect your privacy, simplify your estate administration, an...
Create an estate plan that works for you and your beneficiaries
Planning and creating a will is an important step in your life, and it is not one that should be taken lightly. However, it does not have to be daunting or depressing. It can be an assurance that your...
Financial steps you must take immediately on the death of a spouse
The next few months (and years) will be a transition period in many different areas, including your finances. Get organized and recruit professionals, family and friends to help. Tackle the time sensi...
A new baby is good reason to review and update your estate plan
These are a few general do’s and don’ts for a new parent to consider, but certainly not a complete list. Consult with experienced professionals for guidance in how to make the best plan possible. ...
What every young mom needs to know about wills and estate planning
So once you have completed your estate plan, give yourself kudos! You have done what so many people fail to do—even the rich and famous. As you begin to work on your estate plan, make sure that it i...

Budgeting

Gain control of your money
Many people have been hit hard by the current financial crisis. They find themselves behind on their bills, underwater on their mortgage, and feeling completely helpless. The great news is there are c...
How to create a household budget
Budgeting is the number one way to spend and save smartly, and to get out - and stay out - of debt. A budget, or a spending plan, is simply a way to intentionally spend and save money to meet your goa...
Financial planning 101 for empty nesters
Getting used to living as an empty nester takes time. The best way to transition into this new phase of life is by re-focusing on new goals. Begin by getting your personal finances organized. Our tips...
Cure the holiday debt hangover with a headache-free financial plan
It’s not too late into the year to make a fresh start. If you still have a holiday debt hangover, remedies do exist. Determine which plan, or relief option, is right for you, and get started on the ...
Teach your children rich habits to be financially successful in life
Ensuring that your children are taught rich habits is the best thing that you can do to make sure your children grow up to be financially responsible and financially successful. Get your children off ...
Navigating online shopping during the holiday season
It’s important to shop smart so the big deals don’t break the budget. Smart consumers will set a plan and stick to it, and not get caught up in the frenzy of discounts and deals....
Recommended New Year resolutions for your personal finances
Becoming financially stable isn’t always easy, but it isn’t impossible. By breaking old habits, such as frequently eating out or overspending on name brands, you can help yourself achieve your fin...
When paying your bills, decide which debt is best to pay first
By putting things in perspective and moving one step at a time, you can make decisions that let you set the best priorities and goals for your financial life. Once you cover the basics and get out of ...
Save money in a rainy day fund for life's unexpected emergencies
A rainy day fund covers life's inevitable surprises. The more diligent you are in contributing to your fund, the more effective the strategy will be. The rainy day money should always be kept in a sep...
Save money and spend wisely—become a millionaire by living frugally
The beauty of developing a frugal millionaire mindset is that it can produce positive results in every stage of life. It doesn’t take money, no products to buy, and no seminars to attend. The whole ...
Prepare a budget and then use online tools to manage your money
You can’t improve what isn’t measured. Utilizing the multitude of free online budget tools will help you measure and improve your budgeting. Every person has different needs and will start off wit...
Make small changes in spending and reduce costs to boost savings
Let’s take the frugal mindset challenge to reduce everyday expenses. Take the time to determine where there are holes in your budget. Eliminate them or replace them with less expensive alternatives....
How to teach your children financial responsibility
Parents can teach financial responsibility in a way that is interesting for children. Most important is remembering that parents are their children’s role models. When kids see you budgeting, saving...
Financial planning for the first time investor
Hopefully you have gathered from these simple steps that investing does not need to be complex or overwhelming if you are a first time investor. Start small, do your homework, and create a financial p...
How to respond when a friend asks for money or a loan
Being one’s ATM doesn’t help either you or your friend. Being an ATM decreases your asset (cash), while your friend’s liability increases. There is an old adage that goes something like this: gi...
Advice for those investing in the stock market for the first time
Investing on your own isn’t always an easy task, especially when you first start out. However, I encourage you to stick with it and learn how to properly invest your own money. It’s rewarding to s...
Teach your kids about money and how to budget, spend, and save
We owe it to the next generation to understand how money works and how to save it, spend it, not fear it, and donate some of it. Most of all, remind your children that money does not guarantee happine...
Saving for a rainy day fund is easy with this advice
Not having saved for a crisis is what throws many people into a financial disaster. When finances are tight, it can be challenging, at best, to create an emergency fund. But saving for a rainy day -- ...
How to talk to your children and grandchildren about finances
It is never too early to start talking about financial planning with your children or grandchildren. If you help set them on solid financial footing when they are young, your lessons about money will ...
A financial planner can help you reach your investment goals
There are many different styles of financial planning out there. With a bit of searching on your part you can easily find a good fit. Doing your homework on financial planners is just as important as ...
Owning gold or a gold IRA can be a great long-term investment
Gold has long been recognized for its ability to protect purchasing power and act as a safe-haven investment against inflation, market crashes, geopolitical conflict, etc. While daily fluctuations in ...
Educate teens on the importance creating and following a budget
Truth-be-told: teens are adults in training. When given the opportunity, they will demonstrate responsible behavior and smart financial management. They can be motivated by their own wants and needs, ...
Spend your money wisely while on vacation and stay on budget
Vacations remembered last a lifetime. They are engrams that can be recalled and put a smile on our face. These fond memories make us want visit new places. This can be done by planning for, budgeting ...
How to stay on a strict budget and be happy at the same time
We all have one reason for budgeting in common, and that is to reach our goals, whatever they may be. Expecting the unexpected while still trying to save for life’s planned events can be quite the t...
How to save money and take a vacation without going into debt
Remember that the goals of a vacation are rest and relaxation. They are worthwhile goals to attain, and worth saving for. Some simple budgeting and planning will help make sure you can get that R&...
What is diversification and a diversified investment portfolio?
Many academic studies have concluded that asset allocation is the most important determinant of a portfolio’s performance - even more so than transaction costs and security selection. The main issue...

Retirement Planning

Gen Y workers must start saving and investing early for retirement
Developing an effective retirement strategy as early as possible helps ensure you have lasting financial success. You can have more peace of mind that you’ll actually be able to retire when you want...
Have the money you need for retirement with lifetime income annuity
Lifetime Income Annuities, also called Single Premium Immediate Annuities, provide an income stream that you can never outlive. You can use that contractually guaranteed payment to help budget and cov...
Expert advice on choosing lifetime income annuity program
Lifetime Income Annuities (aka: Single Premium Immediate Annuities) are the purest form of “transfer of risk” annuity strategies available to the public. These products are contractually guarantee...
Take control of your future with a self-directed retirement plan
Self-direction as a retirement wealth-building strategy can be a great way for savvy investors to take control of their investments with alternative assets they already know and understand. It is cruc...
Know how to financially plan for retirement so you can retire on time
There you have it. By sticking to these simple and straightforward guidelines, you’ll be well on your way to planning for your retirement years successfully....
Understand net unrealized appreciation for your 401K
Failing to take NUA treatment into account is the #1 mistake people make with respect to their qualified retirement plans. If you own employer stock in a 401(k), ESOP, or other qualified plan, be sure...
How to benefit from rolling over your 401(k) to an IRA
Whether you feel like a 401(k) plan or IRA is right for you, it’s important that you have a firm understanding of what both options bring to the table. Take the time to consider every angle and stay...
Expert advice on retirement planning for small business owners
So, what is the end result of setting up and funding a small business retirement plan? Well, nothing beats the happiness of a small business owner who is able to retire and have a bucket of money allo...
Planning for health care costs is vital to successful retirement
When it comes to retirement planning, don’t delay. Start planning today. If you stay on top of your future healthcare costs, you will not only gain confidence from being prepared, but you can relax ...
Key considerations in saving for a confident retirement
Whether you’ve been saving for retirement for 20 years or you have your head in the sand when it comes to putting money away, it is important to remember that it is never too late to start and there...
Save for retirement the moment you land your first job after college
Don’t ever allow yourself to fall into the mindset that you have the rest of your life to save for retirement. The sooner you start saving, the brighter your financial future may be. Make a commitme...
Guarantee income in your retirement with fixed indexed annuities (FIA)
Fixed indexed annuities are a wonderful way to balance out a retirement portfolio because they are a low-risk insurance product that increase with index growth and are protected from market volatility...
Young people: take a new investing approach to retirement planning
The retirement landscape is shifting, and it’s important to understand what you need to do to ensure your retirement savings is secured. Use these tips to protect your future....
Plan for retirement and get the most out of Social Security benefits
A wide variety of factors will determine the optimum strategy for claiming your Social Security benefits. Everything from age, health, income, and even marital status can have an impact. Periodically,...
Understand the differences between deferred and immediate annuities
Gain control of your financial health for retirement with a budget
We have created the basic tool—the budget—to provide you with a guide to your financial health. Life spans have increased; therefore, retirement funds need to last longer. A budget is not written ...
Start planning for retirement as soon as you get your first job
Financial planning is a lifelong process, and the sooner you get started, the better. Planning ahead means you will not only have a more comfortable retirement, but you also may be ready to retire soo...
Advice on how to reduce the fees on your 401K retirement account
The big enemy to your retirement savings plans is the fees many traditional plan funds charge whether you are aware of them or no. While seemingly small, these fees have significant impact on your sav...
Expert advice on planning your retirement together
As you can tell, planning for your retirement as a couple is a multi-faceted and complicated effort. It should be a wonderful time of your life together, but without looking at that picture from diffe...
When to collect social security benefits in retirement
Deciding when to take Social Security is an extremely personal decision and can ultimately be a very difficult one. It’s important to weigh all of the factors and consult your financial advisor in o...
Make the most of your money and minimize taxes in retirement
Taxes can be one of the largest items in a retiree’s budget. However, taxpayers can use a combination of annual and long-term planning in order to keep their tax bills to a minimum and to maximize t...
Retiring overseas is possible with careful financial planning
Retiring abroad should make sense both financially and personally. For many, moving overseas provides lower healthcare costs and a higher quality of life. Before making this Money Milestone move, make...
How to make sure your retirement savings lasts the rest of your life
There are many strategic moves - none of which are a complete answer - that seniors can take to ensure that they don’t run out of money. It requires discipline, strategic planning and an approach to...
Advice for when you lose your job and forced into early retirement
An unexpected retirement after being forced out of your job can be unsettling, but it’s not impossible to remedy. If you have prepared as best you could for your planned retirement date, you will ha...
Create financial security and well-being for your entire family
By following this advice, families can take control of their finances and help give their children the best possible start in life. After all, as parents, we often say our kids are our biggest reward....
Ensure steady retirement income with a low-risk annuity investment
The day you step into retirement, your entire financial life collapses down to one issue, and the issue is perfectly binary. There are only two possible outcomes, and they’re mutually exclusive. On ...

Buying Real Estate

Buying homes as short sales and foreclosures can be very rewarding
Buying a distressed property that is a short sale, foreclosure, or bank owned can be a good investment and an affordable way to own your own home, but it is “buyer beware”. You should protect you...
Guide to buying a co-op in NYC
There are many ins and outs to purchasing a co-op in New York City. While the process may seem a bit daunting at first, do not fear. Remember that the cooperative purchase is the norm in NYC, not the ...
How to find and buy a house on a river
Your river property will bring much excitement, inspiration and fun to your life. Relying on the expertise of a professional who specializes in waterfront property will make the process effortless and...
How to find and buy a lake house
Your lake house will be a source of relaxation, inspiration and fun. Relying on the expertise of a professional who specializes in lake property will make the process effortless and satisfying. This i...
How to find and buy a mini or hobby farm
Whether for a better way of life or out of necessity, your farm will become a significant part of your life. Relying on the expertise of a real estate professional specializing in farm property will m...
How to successfully buy multi-residential investment properties
In order to mitigate threats and capitalize on opportunities it is essential to have a well-grounded investment strategy. This includes the collaboration of complimentary disciplines and fastidious at...
Smart steps to successfully buy real estate in Baltimore, MD
Buying a home is an exciting endeavor, but the process can be tedious, time-consuming, exhausting, and an emotional rollercoaster for some. Working with a trusted professional can help ensure you have...
The right way to buy a home
Buying a home is a complex process requiring expertise from a number of professionals. By focusing on what you want in your home and allowing these professionals to do their jobs, you can achieve the ...
How to make the right offer on your dream home
There’s no need to get stressed out when you’re trying to figure out how much to offer on your dream house. Take the emotions out of the equation and instead focus on the data and the math. Workin...
Advice on buying land for investment, development or build a home
Whether your land will be used for recreation, development, investment or just a home, you’ll find many diverse parcels to choose from. Remember you can always change the way a house looks but you c...
Advice on buying a fly-fishing ranch in the Rockies
While there are many rivers and streams throughout the Rocky Mountain West, the supply of available fishing properties in any given price range is very limited. Obviously private water is the preferre...
Choose and buy a vacation home with confidence using a realtor
The key thing to remember is to seek out professional advice when considering purchasing a vacation home in another part of the country. Don’t underestimate the value and resource of a professional ...
Expert advice for the first time homebuyer on buying the dream house
When purchasing your first home together it is in your best interest to have a licensed real estate agent to help you. Their job is to give you advice, recommendations for the services of other profes...
Hire a qualified home inspector to help reduce risk when buying a home
Home inspections are a valuable tool for the homebuyer and should be a routine part of the homebuying process. However, don’t overstate what they are able to do.There is risk in buying something bui...
Buying a foreclosure can be a great investment if your informed
Purchasing a foreclosure can be a great investment whether you are purchasing one for your personal residence or as an income property, but a word to the wise, be patient with the process. New guideli...
Expert advice on buying a condo as a good investment
Owning a condominium is not for everyone, but it does fit the lifestyle of many people today. Whether you’re considering a condo or a home, you need to be sure that you know what it is that you are ...
Get the best deal by knowing what to offer when buying a home
Be smart, but not overly smart. You do not want to think yourself out of a great home while at the same time you want to understand your market and the data within it. In the end, you have one simple ...
Buying a home in a hot market and how to win a bidding war
Owning and living in your own home is the American Dream. But increasing mortgage rates along bidding wars on the purchase of a home is creating emotional and financial stress not seen since the real ...
How to build your dream home from the ground up
When building your dream home, the best advice is to be prepared for anything. There will be bumps along the way but as long as you address them in a timely and effective manner, the process should be...
How to win over the co-op board when buying a home in NYC
Just remember that accepting the co-op for what it is is vital to being accepted yourself. Being honest, patient, informed, and respectful demonstrates that you are the kind of neighbor and shareholde...
Advice on buying a townhouse and real estate in NYC
Buying a townhouse in New York City can be a rewarding experience, both emotionally and financially. Given today’s price points this opportunity is available to a select few. If you happen to be one...
Advice for first time home buyers on buying a co-op in NYC
Co-op ownership comes with its benefits and also with possible limitations. If you like a particular co-op and can handle the work it will take to get in, you have a great experience in store for you....
What to consider when buying a home as a fixer-upper
Buying a fixer-upper is not without its challenges. The most important tool for the job is preparation. With good planning, clear vision, and a reliable team to help guide you, your fixer-upper can be...
What price you can expect to pay for a single family home in NYC
There is a lot to consider when buying a single family home in New York City. Costs vary greatly and this market segment continues to become more valuable. So if you have the desire and the budget jum...
Advice for buying a home in NYC when you have a young family
When starting out as a family, your first home and the community you reside is where many family firsts will occur - your child’s first words, first steps, first day at school. So many memories and ...
Buy a home in downtown Manhattan to get access to the best views
If you want to be in the middle of it all, have access to some of the best views, best moderns homes, and best transportation, Downtown is where it’s at. Like with any other investment. however, be ...
You can buy a home in New York City with a $1 million budget
There is a reason why the real estate market in NYC is so competitive for the buyer. Historically, NYC has held it’s value and has weathered many a financial crisis to come back even stronger. $1 mi...
Investing in commercial real estate is a great opportunity for anyone
Whether you are buying one building to rent out or a whole plaza, commercial real estate can be a rewarding investment. Following the advice above can put you in the right place to make money on your ...
Use the internet and social media to help you find the perfect house
For the majority of buyers, a home represents their biggest lifetime purchase, so they should use every tool at their disposal to ensure they are getting the very best home at the optimal price. Consu...
Buying a home in an HOA neighborhood can be a great move
Living in an HOA neighborhood comes with certain rules and restrictions, but if you understand them, life will be better and easier for you and your neighbors. Do find ways to work with and improve yo...

Life Insurance

Selecting term life insurance
Life insurance is a product that has been helping to provide financial stability to families and their loved ones for decades, during challenging times of grieving and loss. This article has discussed...
Selecting whole life insurance when you're newly married
Whole life insurance can be the heart of a strong, full financial plan. Bought properly and structured appropriately, it can serve both the insured and their beneficiaries safely throughout their life...
Selecting whole life insurance
These guidelines will help in making one aware of a few aspects in selecting a whole life policy, but it is imperative that one seek proper financial counsel to ensure that one’s financial objective...
How to use life insurance to protect assets
This article is meant to be an introduction to the use of life insurance in a tactical and specific way. There are countless nuances in policy construction and features, as well as the individual need...
Understanding your Canadian permanent insurance options
Selecting Canada's Term-to-100 life insurance
Term-to-100 Insurance is a very simple product, and is one of the more affordable types of Permanent Insurance available. Although it is simple, care and proper planning must still go into selecting t...
Selecting Canada's whole life insurance
Permanent cash value whole life insurance can be a complicated product, but as long as it is structured properly and the right fit exists within your personal situation, it can prove to be a great add...
Selecting Canada's universal life insurance
Everyone wants to protect and give their family financial security in case of an unforeseen disaster. Life insurance is one of the most convenient methods to achieve this goal. But, which life insuran...
Shop online for term life insurance that is right for you
Many people find life insurance too complex, and they put off the decision of buying a policy. Let’s face it, who wants to think about their death? However, life insurance is the cornerstone of any ...
Protect your family in your 40's with right term life insurance
Without adequate life insurance to protect your dependents, they will surely be left behind to fend for themselves while facing the burden of certain financial hardship. Term life insurance is the lea...
Financially protect your family’s future with term life insurance
While life insurance is not a glamorous purchase that you can show off, it provides money for your family to carry on without you when it is needed most. It means your spouse is not working day and ni...
Between 20 and 25, protect your financial future and buy term life insurance
Term life insurance is the right product for a short term protection need. It also gives you significant coverage when wealth and cash flow do not allow a permanent insurance solution. However, in the...
Saving money is easy when you buy term life insurance in your 20s
Make sure your life insurance policy has a “convertibility” feature to give you options down the road. Always purchase your term insurance with the “Waiver of Premium” rider in the event of a ...
Buy term life insurance when you are young, married or have a baby
The best time to purchase a term policy is right after you are married and have some assets and definitely after the birth of a child. In deciding the dollar amount and time period for the policy, you...
How to get term life insurance with pre-existing health challenges
As society lives longer, insurance companies have become more apt to approve people that have a pre-existing health condition. Work with an experienced agent that has experience in impaired risk life ...
New parents: Understand whole life insurance before buying
Regardless of the type of life insurance you want to buy, the most important factor to consider is how much life insurance your family will need if the primary income earner were to die unexpectedly. ...
Read and understand the life insurance policy before you make a claim
For most people the life insurance they own at death can be their single largest estate asset. Making certain that the proceeds are paid correctly and to whom you want is critical for the successful t...
Advice on using permanent life insurance as an investment vehicle
Permanent life insurance is a self-completing accumulation vehicle used by those who understand how it fits into their overall financial goals for a lifetime full of changes and milestones. The level ...
Expert advice for getting a high risk life insurance policy
If you are looking for a life insurance policy but pose a higher risk than a standard adult, you’ll need to take a few extra steps to ensure you get the best coverage at the best possible rates. It ...
Options for life insurance when diagnosed with prostate cancer
Applying for life insurance with prostate cancer takes patience, and it is important to be informed of what to expect when applying for life insurance coverage. Despite popular belief, affordable life...
Learn the benefits of a No Medical Exam life insurance policy
As life expectancies increase, life insurance companies are more likely to accept a policy from an applicant without having to undergo a health exam. When you work with an experienced life insurance b...

Cancer

Expert advice on undergoing breast reconstruction due to breast cancer
Breast reconstruction is complex. It requires time, energy, and patience. There are a wide variety of options - implant or tissue. Do your homework. Seek an experienced, board-certified reconstructive...
Take a DNA test to avoid a breast cancer biopsy misdiagnosis
If you or a loved one is going through this difficult process, talk to your physician about steps that can be taken to ensure you receive your confirmed biopsy results. With the emotional, life-changi...
Integrate acupuncture and Western medicine to help treat cancer
There are many benefits to utilizing acupuncture therapy along with traditional Western medical treatment. Further research, education and clinical trials are being conducted to continue the validatio...
Advice on getting lymph node transfer for lymphedema patients
Lymphedema is a common problem when it comes to mastectomy for breast cancer treatment. A lot of times the problem doesn’t show up right away and may take years for it to become apparent. Lymphedema...
Recognizing moles and skin as cancerous and getting help
It’s important to remember that you are not responsible for making a diagnosis! Your task is to identify any suspicious lesions and have your internist, family physician, or dermatologist check them...
Maintain your femininity when diagnosed with breast cancer
When first diagnosed, it can be an overwhelming experience; however, taking the right steps to breathe, learn and release emotion, as well as find ways to exude your personal style, will lead to a str...
Breast cancer treatments: How to choose the best option for you
Hundreds of thousands of women are diagnosed with breast cancer and begin treatment each year. While the discovery of a positive diagnosis can be difficult, choosing a treatment option doesn't have to...
Cancer rehabilitation can help you recover and tolerate treatment
The bottom line with patients undergoing cancer treatments and in need of cancer rehabilitation is to know yourself and your symptoms. Talk to your doctors, therapists, friends, etc. Develop and keep ...
Mohs micrographic surgery can help treat skin cancer
Ensuring that you are ready for surgery also involves ensuring you are prepared for aftercare. Following your surgeon’s aftercare instructions is important so that you are able to heal properly with...
Advice for getting proton therapy treatment for prostate cancer
Proton therapy can be an ideal treatment for prostate cancer for a patient who is looking to avoid surgery or spare surrounding healthy tissue from damage that might occur during standard radiation tr...
Little known things that can reduce your cancer risk
This may be recommending dramatic changes from normal life, but getting cancer (eventually) is very normal. If you want to reduce risk you have to move from normal to optimal. That’s the science. Ev...
A patient’s survival guide: Prevent medical mistakes and misdiagnosis
The best way to prevent medical errors from happening is to take an active role in your care and the care of your family. Following these tips and being responsible will help to keep you and your fami...
Prevent cervical cancer with early detection and education
Cervical cancer is a preventable disease and is treatable when discovered early on. Regular screening and understanding the symptoms of this disease are the best way to stay healthy. Making sure the w...
Advice on helping a loved one who has been diagnosed with cancer
Being there for a loved one with cancer isn’t always easy, but being genuine, caring and thoughtful in your efforts to support them will help make the difference. While there’s no rule book to thi...
Preventing melanoma starts with protecting your skin from UV rays
Your skin is your body’s largest organ, so make skin health a priority during all months of the year. It is vital to take the lead in your skin health, educate yourself and your loved ones on sun sa...
Find the right dermatologist to remove precancerous moles
Your skin is the largest organ in the human body. It is the site of the most common type of cancer, skin cancer. Your dermatologist is uniquely qualified to diagnose and treat all types of skin disord...
Steps you can take to reduce your risk of developing lung cancer
Lung cancer can be extremely difficult to detect and treat, which is why it is the leading cause of cancer death in the U.S. While screening options are limited, it is important to follow up with your...
What to expect and how to prepare for undergoing chemotherapy
Everyone is different, their treatment for cancer is different and they react to chemotherapy differently. Your health care team wants to help you have the best possible experience. Keep them informed...
Advice on treating and managing cervical cancer
A cancer diagnosis can be devastating for anyone but now there are treatment options for cervical cancer that are very encouraging. Under the guidance and care of a gynecologic oncologist, women can c...
You can reduce the risk of skin cancer and enjoy the great outdoors
The skin is the largest organ we have so we need to remember to protect it. Most skin cancer can be prevented with proactive protection. Follow this advice for your best chances for preventing melanom...
How to manage lymphedema when undergoing cancer treatments
If you are facing treatment that could harm your lymph nodes, it is good to know that you have resources and qualified experts to help you learn about and manage lymphedema. If you think you may be at...
Stay positive when diagnosed with cervical cancer
After being diagnosed with cervical cancer, it’s essential that you take time to understand your diagnosis, talk to your doctor about treatment options, find systems of support and treat yourself ri...
How to emotionally cope when you are diagnosed with cancer
If you are diagnosed with cancer you must take the time to survey your feelings and see how the diagnosis is really impacting you. Once you understand your feelings of stress, anxiety, or depression, ...
Prepare for surgery by speaking with your anesthesiologist
Remember, your anesthesiologist is most likely a board-certified physician, just as your surgeon is. There’s every reason to entrust your anesthesiologist with your total care. But it’s also smart...
A trusted healthcare team can help manage and treat ovarian cancer
Ovarian cancer treatment is very challenging. You will not have recovered from the surgical procedure when the chemotherapy has starts. After the completion of all your treatment, it may take up to 12...
How to manage chronic pain while going through cancer treatment
Pain management is a branch of medicine focused on reducing pain and improving quality of life through an integrative approach to care. Pain management is particularly important for cancer patients, c...

Children and Death

Mourning can help children navigate grief, loss and crisis
Grieving is a very complicated and difficult process, especially for children. It is our wit and our wisdom that help our children, and us, through the passages of grief. It is in our grieving that we...
Helping children navigate loss after the death of a loved one
There is no life without loss. Helping children navigate death and loss is extremely important because they are beginning to assimilate new information, which can be painful. The role of parents is to...
What parents need to know when talking to children about death
Talking to your children will not be easy, but if you are honest and thoughtful, it will be one of the most meaningful conversations you will have with your child. Children grieve and when we give the...
Helping kids with autism spectrum disorder navigate bereavement
Bereavement is a universal loss. While many are resilient in the face of loss, individuals on the autism spectrum may not always be so resilient as their neurotypical counterparts. It is important to ...
Effectively communicating with your kids about illness and death
When we as parents must face the painful realities of death and illness, we must first understand our own emotions and manage them. Central to good parenting is the ability to be emotionally supportiv...
What's the best way for parents to help their kids deal with loss?
Do children grieve differently than adults? Ultimately, the answer is best summarized by the phrase, “monkey see, monkey do.” But it doesn’t start out that way. Children respond normally and nat...
From helpless to helpful: Parents can assist their grieving kids
When you are grieving the loss of a loved one or a pet, it is difficult to cope with your personal grief, while also helping your children cope with theirs. Reach out to support systems, attend suppor...

Surviving Divorce

Have a healthy and successful pregnancy while getting a divorce
Divorce during pregnancy can be fraught with emotion. You are not alone, and you will get through this. Give yourself time to grieve and focus on yourself and the new life you are carrying!...
Successfully move on and start over after the divorce is final
At the end of the day, only time will heal your wounds. However, the more time you spend doing other things, the less time you will have to spend on what used to be. The past is gone, and the future i...
Take the right steps to help yourself and reduce stress during divorce
Although divorce can be quite painful, it is also a brand new beginning. New beginnings can be exciting, and if you focus on the positives ahead of you, you can create new, exciting dreams and hopes....
Move beyond dependence-like behaviours to help heal from heartbreak
The sufi poet Rumi reminds us that the way through the pain is to feel the pain. However, even in the midst of those feelings, if you can catch even a glimmer of the fact that healing is possible, and...
Expert advice when your spouse surprises you with divorce
Being surprised by something as big as a divorce is almost impossible to imagine if you have never been in that situation, and is something no one would wish on their worst enemy. However, if you find...
Rebuild your self-confidence and self-worth after divorce
As far as changing “your relationship” goes, focus on the relationship with yourself and what your life would be like as a woman whose essence will be restored. Begin a self-embracing path which w...
Divorcing your sugar daddy: a zero-calorie drama-free action plan
Divorcing your sugar daddy can be an icky, sticky process. There will be times you want to give up, give in, or simply get even. But in the long term, divorce is just another challenge to overcome. Le...
Get a divorce coach to help and support you in your divorce
A divorce coach may be the only person completely in your court, who is your support for handling your divorce challenges in the most effective way possible; and at the same time helping you to gain c...
You win when you remain civil with your ex during the divorce
Divorce will always be a difficult experience. But your actions and your choices can help you to avoid adding unnecessary pain and unnecessary expense to the process....
What to do if you disagree when dividing assets during a divorce
Dividing assets is an important part of the divorce process and one you do not want to shortchange or overlook. Reaching a fair division of property is the goal. To do that, you need to identify the a...
Advice and help when your husband has cheated on you
Cheating is not a death sentence for a relationship. There are many factors that play into whether or not divorce is inevitable. Remember it is not possible to be committed to two people at the same t...
Keep a level head and productive dialogue with your soon to be ex
When we get divorced for the right reasons, and go through the process lovingly and respectfully, it offers an opportunity for growth and paves the way for a bright future.These spiritual tools can of...
My way or the highway is a road to nowhere in divorce
Effective negotiation relies on effective communication. In divorce this is very important especially if you have children that you will be co-parenting after the divorce. Co-parenting and new relatio...
Stand your ground and get what you want out of the divorce
Many people find it difficult to be assertive, especially in a divorce situation. It is important that you take the right steps so that you do not give in to fear or intimidation and that you get what...
Life after divorce: How to rebuild your self-esteem and confidence
As long as your inner core is not strong, your divorce will affect your sense of self confidence and self worth. Making that core strong will pave the way to the next chapter of your life as a single,...
How to survive divorce and still get what you and your family need
Throwing in the towel is giving up. Sometimes we justify it by saying it just isn’t worth it to keep fighting the fight! And what if you weren’t fighting the fight? What if you were paying attenti...
Women in divorce need to understand division of marital assets
In order to divide assets you first need to be aware of your total financial picture. Getting good advice and representation is also critical to understanding your needs and rights before you sit down...
How to make a trial separation work and not always end in divorce
A trial separation may be the next step; a well-planned trial separation can be enormously helpful. When approached with considerable thought and planning they do save some marriages. Just as importan...
Reduce the stress of divorce by being cooperative and rational
The better a couple is able to cooperate, the sooner you can complete the divorce, which is the ultimate goal. Divorces are not about win or lose; it’s about finding salvation and taking the appropr...

Fertility

Expert advice when your having a hard time getting pregnant
The journey of conceiving can be way more difficult than you ever imagined it could be. And while much of it is not within your control, this article highlights some ways that you can take back a semb...
Low sperm count? Consider IVF to improve chances of conception
If you and your partner are having trouble conceiving, it may be that the male is experiencing sperm problems either with their sperm count, motility, progression, or morphology. Because of the great ...
Reduce toxins and increase fertility and chances to conceive
In summary, it is important to be in the best health possible to maximize your chances for conception, and for a healthy baby. Many simple factors are often overlooked that are important for fertility...
Get pregnant faster: Advice for boosting your chances of conceiving
You’re not alone. If you have questions about conceiving, talk to your doctor – whether it’s your regular OB-GYN or a fertility specialist, they are the best sources for accurate information abo...
How to protect your fertility after a cancer diagnosis
Any reproductive age patient receiving chemotherapy or radiation is at risk for reduced fertility. Asking your doctor about options and seeking a consult with a fertility preservation expert can help ...
Considering In Vitro Fertilization? How to pay for IVF costs
Even if IVF costs seem daunting at first, be assured you have many options to help you pay for your fertility treatment. You may be lucky and have insurance coverage for IVF costs. But even if not, yo...
A healthy and balanced diet can have a great impact on fertility
Women and men trying to conceive a child would benefit from eating a healthy and varied diet coupled with moderate exercise. It is best to avoid alcohol, smoking, drug use, and excessive caffeine. Fer...
Having a baby: What you should know when trying to conceive
Following these tips can increase your chances of pregnancy, and remove some of the uncertainty that can arise when trying. While there can be a lot to keep in mind, don’t let the details bog you do...
Couples can make conception more successful and less stressful
Trying to get pregnant can seem like a laborious and lengthy process. Educate yourself, know the facts and recognize when to get help. There are many available resources to help make this process less...
Endometriosis can affect fertility. Here’s how to get help
With proper diagnosis and treatment, the symptoms of endometriosis can be greatly lessened and fertility improved. If you feel as if you are experiencing severe pain during your menstrual cycles, then...

Employment Law

Whistleblowers need to prepare when exposing employer wrongdoing
Though some people criticize whistleblowers and the system that incentivizes them, many regard these workers as heroes who are zealously protecting public interest. The U.S. government falls in the la...
Expert advice on receiving disability benefits due to drug addiction
Caring for a family member or loved one who is suffering from drug addiction is tough. If you are caring for them, it’s likely you are experiencing a financial burden in addition to an emotional one...
Expert advice for what to do when your disability claim is denied
If your disability claim gets denied, it can be devastating physically, mentally, emotionally, and financially. Make sure to file your appeal within 60 days and consult an experienced disability lawye...
Know how to file a disability claim and get the benefits you deserve
Applying for disability benefits is tough. Private disability providers make it difficult and confusing, another application process can be tricky. Make sure to always follow deadlines, provide them w...
Expert advice on the suing for breach of a contract
Before you enter into a contract be sure to clearly outline the details, reduce it to writing, and make sure each party thoroughly understands their obligations. It is also wise to have your attorney ...
Advice for securing disability benefits due to severe depression
Depression is a serious and crippling disability. It can take over someone’s life and make it very difficult for them to perform the most basic daily routines, such as eating and sleeping. Those suf...
Successfully obtain disability benefits from the effects a stroke
Strokes can leave behind irreversible damage that makes it impossible to work. Be sure you have a long-term and short-term disability in place to protect yourself in the event a stroke happens. Follow...
Expert advice when you are terminated due to age discrimination
If you believe there is merit to your case for age discrimination, or if you just need to obtain legal advice before signing a severance agreement or while negotiating a severance package, contact an ...
Advice for securing disability benefits due to a concussion
Many people assume that concussions are temporary injuries that are overcome in a couple of weeks with rest and proper treatment. This may be true for some, but for others concussions can leave them w...
Advice when resigning and you have an active non-compete agreement
If you are certain that you want to leave a job despite the present non-compete, it is important to follow a plan of action. The safest choice is to obtain advice from a lawyer who has experience work...
A healthy, happy holiday includes disability insurance
Navigating your workplace dress code and appearance policy
Generally, employers may enact uniform dress code and appearance policies provided they do not discriminate against a particular protected group. An employee should familiarize himself or herself with...

Education Law

How to get special education services at school for your child
Don't give up! Getting the best special education services for your child can be frustrating, and at times progress towards that goal can be maddeningly slow.  Understand, however, that you have opti...
Managing your child’s special education documents and records
It is critical to organize and save your child's special education records. Documents and records track events as they happen and help you tell your child's story accurately. Additionally, documents c...
Students benefit when schools and families have positive relationships
Families of students with disabilities and school districts frequently have long and extensive relationships with each other. Taking the time for careful, honest, and timely communications and interac...

Undergraduate Programs

How to successfully live at home while attending college
The purpose of college is to get your first taste of adult professional and social life. If you live at home, then you’re presented with an obstacle that you can, nevertheless, jump over. Your bigge...
International student adjusting to life at a US college
The American university has a unique identity that is known around the world as an environment that develops creative thinking, encourages innovation, and provides a context for lifelong friendships.B...
Is college really worth it?
College can seem expensive and full of uncertainty, but it can also be full of opportunities and be the best investment you will ever make in yourself. Consider your options carefully, ask a lot of qu...
How to be successful in an online classroom
Online courses have made education accessible to more people. It is not unusual to find students from around the world in a discussion site. The courses are challenging, but students can be successful...
Visiting college campuses during the summer
You may not be able to see a football game or see what the fall foliage looks like, but a summer visit can tell you a lot about the culture, resources, and opportunities available on a college campus....
How to network in an online class
With these few guidelines in mind when networking virtually, you should be able to positively support your online presence through school and beyond. Networking online is one of the most important thi...
Balance life and work while getting an education online
For working adults considering a return to school, options do exist. Remember, pursuing an advanced degree is an investment that can never be taken away from you, and gives you the opportunity to set ...
Advice for those going to a community college
Community colleges can offer a great, affordable start to college. With an early start and a little investigating, you can find out if it’s the right place to start your college career....
Write a great college admissions essay that will get you noticed
Admission essays may seem like a big obstacle to climb, but if you see them as a chance to show the colleges who you are, your writing will come as naturally as talking to a friend. Give yourself enou...
Be successful with these SAT reading comprehension strategies
Doing well on the reading part of the SAT means being prepared and having some good strategies. Refreshing your vocabulary, understanding the paragraph structure and learning to focus your reading att...
Approaching the college search and admissions process with ease
The college search and admissions process is a complicated one. It is natural for students to feel anxious about it. After all, for many students, this is the first big decision they will make. By fol...
Learn how to effectively memorize study material for school
This article provides you basic tools for remembering your schoolwork and any information. The example in the fifth do is very basic, however, if you practice these techniques you will be good to crea...

Self-Guided Improvement

Use the law of attraction to help you attract good things in life
Since the release of the bestseller The Secret, there has been a great deal of enthusiasm regarding the law of attraction. At the same time, there has also been a lot of confusion and negative critici...
In life be happy and thankful to help reduce worry and anxiety
It takes practice to live a grateful life, but it’s worth the effort. When you develop a life of gratitude, you will see remarkable results, including a less anxious life. You will learn that gratit...
Convince yourself that change is possible and it is what you want
It’s easy to do the same old same old over and over. It’s familiar, predictable and safe. You can have so much more but you have to take that first BIG step. Be aware that you may have pitfalls, b...
Spiritual healing is a great way to find happiness and prosperity
Your emotional and spiritual wellbeing is just as important as your physical self. While you shouldn’t give up on doctors if you happen to be medically ill, you should also not expect them to instan...
Experience joy in your life by focusing on similarity and happiness
When you focus your time and energy into experiencing joy rather than continuing to celebrate your differences amongst others, real progress within the world can occur. Don’t settle for relative hap...
Increase motivation by setting realistic and achievable goals
Motivation is your desire to do something. Although there are many motivational factors, the best is self-motivation. Begin with a goal, write it down, then begin with a plan to action to achieve your...
Achieve sustainable results by setting goals with a clear focus
Using the strategies of goal setting will cause you to map a new course that is thrilling, full of risks and will teach you how to manage time, anxiety, resources, and rejection. Your character will b...
Forgiveness is the key to transforming life and finding happiness
Forgiving yourself is much harder than forgiving others. As you carry around negative and toxic emotions, you are also putting your life on hold. Nothing positive can come into your life when you are ...
Smiling helps boost your mood, increase happiness and lower stress
As all mothers with babies, BFFs and caregivers know, smiling usually elicits positive feelings and often sparks a positive reaction in others.“Research is ongoing into the science behind the phenom...
Get the happiness you deserve and need with this advice
So, the key to experiencing happiness is finding balance in your life, with all the things you love to do. Be good to yourself, you deserve that much! Get to know yourself really well, so that when so...
Start your New Year's resolutions early to help achieve your goals
Resolutions are suppose to help us achieve something and better ourselves – not to make us feel like a failure. Choose goals that are thought out and researched and constantly check yourself and you...
Find success by living with a purpose: You can achieve your goals
Embrace it all! All of the tribulations on your path to success should be taken in stride. You have to learn to embraced pain and discomfort as part of the journey to success that it is like seeing an...
Change your mindset and change your life
There was a public service TV spot that ran awhile back that concluded, “A mind is a terrible thing to waste.” I’ve seen this repeatedly in my life; people dealing with personal issues, which ar...
Achieve happiness by living more mindfully through meditation
Once you bring meditation into your life, you will see how great you feel and how easily your life flows. You can’t control how others behave and what life throws your way, but you can control how y...
How to be happy and single on Valentine’s Day
This Valentine’s Day, focus on what makes you happy and all the amazing things you have in your life. This subtle tweak in the way you think will certainly make your Valentine’s Day better, but al...
Learn to cope and embrace a chronic illness diagnosis
While chronic illness and long term medical conditions can be painfully challenging in everyday life, finding the gift and the messages in the illness, allows one to reframe the negative aspects and e...
Don't let difficult and oppressive people undermine your happiness
Dealing with difficult people is part of your journey to success. Make a decision to rise above negativity and stay focused on being the best you can be. The most important thing is to stay positive y...
Advice for dealing with a setback and getting back to your goals
Dealing with setbacks is a natural part of the success process and quite frankly, most are not good at dealing with it. You can separate yourself from your competition by developing the psychology of ...
How a life coach can help you achieve your goals
Coaching has become a popular service in recent years. It is important to find the coach who can help you acquire the tools to reach your specific goal. You should get one who specializes in your type...
Hiring a personal coach can help you take control of your life
In a way, hiring the right personal coach is like hiring the right doctor or finding the right health or car insurance. You want the best for yourself, so put in the work to find the best. Be ready to...
Finding happiness and feeling loved: How to become a better you
Feeling loved by others and giving that love back is something we need in order to be happy, reduce and manage stress in our lives, and maintain a high level of overall well-being. It is important for...
Mindfulness: A way to resolve stress, anxiety, and free your joy
Life is meant to be a journey of discovery, sharing and creativity. Experiencing our moments fully enhances the journey. Mindfulness grounds us in the present moment. It helps us release stress, shed ...
Mind your manners: proper etiquette at a formal dinner table
Dining is one of our oldest social traditions. It allows for people to gather, have good conversation and enjoy delicious food. The reason we have rules of dining is not to seem pretentious. The rules...

Graduate Programs

Be the applicant business schools want to admit
Sometimes it feels like getting into business school is harder than surviving it. And with the competition out there, that’s probably true. But if you know what you’re doing - and now you do - you...
Is an MBA worth it?
When deciding whether to obtain an MBA, there are many factors to consider, including whether you really need one; what the best reasons are to go; and, of course, where you should attend given the op...
Study tips for the GRE
The point of the GRE is to show how you have grown in college. If you have spent three years without reading a book on your own, then I would advise you to begin to start reading now. If you, like man...
Do you need an MBA?
Well there you have it - a crash course in “do I need an MBA?” So, do you? And are you ready to put in the hard work? Trust me, if an MBA will help you get ahead in your life and career, it is mor...
How to get a 10 or better on the MCAT Verbal Section
Focusing on the fundamentals of reading and writing, any student can get a 10 or better on the Verbal Section of the MCAT. It will take learning or relearning an area that has been ignored for years. ...
Read before applying to an MFA program in creative writing
There are pitfalls and dangers to getting an MFA however, if you want to spend time focused on a writing passion, or if you think you have what it takes to pursue a writing or fine art career, it’s ...
Steps to finding the graduate school that’s right for you
Applying for graduate school can be intimidating and overwhelming. There are thousands of advanced degree opportunities and possibilities. Using the above information can help you stay on track and mi...
Things to consider before writing a memoir
Memoir writing is filled with hidden pitfalls as well as great triumphs and satisfaction. A writer who decides to tackle that big, creative nonfiction project should really consider the difficulties, ...
Advice for international student adjusting to a U.S. graduate school
Studying in the U.S. as an international graduate student has become more competitive than ever. But if you choose an American campus as your destination for further study, you will be rewarded with a...
Neuro-Linguistic Programming will help improve your writing skills
NLP is a solution-oriented approach to the routine challenges of daily living, It encourages people to set workable goals, develop reliable strategies, access their strengths, understand themselves an...
Advice for successfully completing graduate school applications
Graduate degrees are becoming more important in today’s work world. To be a success in graduate school, it’s important to start the process early. Don’t be afraid to ask others for help. Prepara...

Coping with Death and Grief

Cope with grief in a culture that tends to not honor bereavement
Perhaps you’ve already noticed, the most important thing we need to do when we’re grieving is to love ourselves deeply. This is easier for some and not as easy for others. If we already know ourse...
Learn how to cope when a loved one commits suicide
I hope that this discussion of an admittedly difficult topic helps. Perhaps the best reaction to suicide is re-dedicating our lives to creating a better world in which those who are suffering so have ...
Use memories of the person you lost to help you grieve
There are many ways to use your memories to help yourself through the loss of a loved one. You can enjoy thinking about the happy memories, and you do not have to stay angry, sad, or have regrets. Goi...
Participating in a grief support group can benefit your well-being
Groups that are created to support and provide community for those dealing with grief make an important impact. There is one constant in the journey of someone who has lost a loved one: something big ...
Grieving is normal, but it's vital to do so in a healthy way
While grief is often described as a “process,” the truth is the process is never the same for anyone. Just as our interpersonal relationships with friends and family are different and ever-changin...
How to explain death and terminal illness to your loved ones
Knowing how to start this important conversation and what to say and what not to say can help ease your own fear and anxiety during this time. Odds are you are also grieving over this diagnosis or los...
How to respond to a friend when their loved one has passed
While you may feel awkward in knowing how to respond when a friend loses a loved one, this is a time when you can show your support and true friendship. Ignoring the death is the wrong reaction. Keep ...

Home Improvement

How to choose a contractor for your home
Hiring a contractor who is someone you don’t know can be a very stressful situation. You can minimize this stress by having a definitive plan for your project and having a clear process on how you a...
Expert advice on painting the exterior of your home
Painting the exterior of your home can save you money and be a very rewarding experience, especially if it is done the right way. There is an overabundance of things to think about when doing a projec...
Save money, live green with these eco-friendly bathroom upgrades
Water conservation is an important green issue and eco-friendly plumbing solutions are generally a convenient, non-intrusive way to upgrade your home. After installation, the money that can be saved i...
Build a low maintenance and durable composite deck for your home
Low maintenance composite decking is a wonderful thing as it saves you time, money and backbreaking labor. Carefully assess how you will use your deck and thoroughly research your options and installa...
Regular maintenance of plumbing can save on costly repairs later
It might seem like a lot of work, but regular maintenance will always be better than a larger issue later. While it is impossible to avoid all plumbing issues, many are preventable with a little extra...
Expert advice on protecting your home from rats and rodents
If you make sure your home isn’t as welcoming to rats and mice as it is to you, they’ll be turning tail in no time....
Expert advice on preparing for a stress-free home renovation
By properly preparing for your home renovation, you can avoid stress, work with individuals with whom you are comfortable, and stick close to your budget. This will not only result in an enjoyable exp...
Advice on hiring an interior designer that reflects your lifestyle
There are many factors to consider when hiring an interior designer, from referrals to budget, from letter of agreement to in-home meetings/presentations. By using these important tips, you’ll be on...
Reduce weeds on your property to help create a healthy lawn
There are a lot of steps you can take, as well as some you should avoid, in order to properly control weeds and keep your property healthy and attractive. Know your enemy and contact a lawn care profe...
Prepare your lawn for winter and prevent snow mold
The most important thing to consider when preparing lawns for fall and winter is the element of time. As long as each task is completed at the proper time of year and as instructed, avoiding snow mold...
Advice on budget friendly renovations to create a beautiful home
With these tips, you can make smart, budget-friendly enhancements to your home without spending a fortune....
Eliminate the chance of mice and rodents entering your home
Rodents can transmit diseases such as food poisoning-pathogens when food or food surfaces are contaminated with infected rodent droppings or urine. Rodents can also cause significant amounts of damage...
How to prevent and remove an ant infestation in your home
Ants are the number one nuisance pest in America. They can be very effective at infesting homes, contaminating food and damaging structures if left untreated. Eliminating ways for ants to enter the ho...
Prevent cockroach infestation and protect your family's health
Follow these tips to prevent roaches from endangering your family’s health and home. Stay on the lookout for any signs of a cockroach infestation or any factors in your home that could draw them in....
Advice for growing and maintaining the perfect lawn
Keep your mower blades sharp and don’t mow too short. Also, remember to fertilize and properly water your lawn. By implementing the above steps, you can enjoy a healthy lawn all year round....
Improve your home's energy efficiency and save money
Making your home energy efficient can keep money in your pocket. It may also make you eligible for tax breaks. And because of this, energy efficient improvements are a highly sought after measure for ...
Advice for organizing your home, belongings and important documents
Organizing your home can seem like a vast undertaking but when you tackle the project a little at a time, it won’t seem as stressful. Make sure you put important documents in a safe place and all yo...
Advice on choosing the paint colors for the rooms in your home
Since room color makes a strong impact on its occupants, it’s important to do some research about appropriate color choices before choosing to paint. Consider your location when establishing an over...
Prevent and control ant infestations in and around your home
Ant infestations can be controlled with different strategies, including ant baits and contact killers. Strategies to prevent further infestations include sanitation and exclusion efforts. It is import...
Warm weather brings termites - How to prevent and stop an infestation
Termites can cause significant damage to your property. It is vital to proof your home against termite infestations and detect termites early. A pest professional can help homeowner’s offer treatmen...
How to detect and remove asbestos in your home or business
Asbestos is a carcinogen that can cause lung cancer, mesothelioma, asbestosis and other serious respiratory ailments. The most dangerous asbestos fibers are too small to be visible. Once inhaled, they...
Spring cleaning reduces dust and allergens and improves your health
Spring cleaning should not just be seen as a silly tradition. It should be something that everyone takes part in. Not only will living in a clean and organized environment make you more productive, th...
Growing a successful fruit garden requires planning and preparation
A well-planned fruit garden will enhance your home landscape and life. It will provide a beautiful, dual-purpose landscape for you to be proud of for years to come. Dig in and savor the “fruits of y...
How to start your first vegetable garden and grow your own vegetables
Growing your own vegetables can be a very satisfying and rewarding hobby. Building a garden requires some basic knowledge, none of which take a lot of time to master, and the rewards are many. Vegetab...
DIY advice for decluttering and spring cleaning your home
Through decluttering and a few easy updates, your home will be a delight to come home to and welcome in the new season. Put a little spring in your step and plan your vision today!...
Finishing a basement starts with preparation and careful planning
Taking these steps can transform your unused space into one of your favorite places in the house! The days of the cold, dark basement are over. Bring on the man caves, home gyms, kids’ playrooms, ho...
Choose the right location for a garden and plant seeds correctly
Planning a garden can be a daunting task. Start by using these quick and easy tips to get started....
Creating your first garden will take work and constant attention
Any garden or landscape is a living and constantly changing thing. It takes work and attention, but this is the challenge and excitement of the pursuit. It also creates opportunities for new ideas and...
What you should check before hiring a painter for your home
Hiring a painter to give your home the pick-me-up it needs doesn’t have to be another chore for your list. Asking good questions, doing thorough background research, offering detailed expectations o...
Remodel your kitchen to be functional, efficient, and stylish
The kitchen is the heart and soul of the home. Be sure to keep these tips in mind to affordably transform your kitchen into a multi-functional space for your whole family....
How to check references when hiring a contractor for your home
The best way to find the right painting contractor for your home projects is to check their references. Get a home address, phone number and email address, if possible. References that were satisfied ...
How to avoid home improvement and renovation scams
Warm days are ideal for tackling home update projects. Hiring outside help can be daunting, particularly when scammers are looking for easy marks. Knowing what to expect from workers coming and going ...

Families in Divorce

Teenagers: You can get through your parents' divorce
There’s no sugarcoating the fact that divorce is trying for everyone, especially for the children. Remember though, that this will pass. Your parents will eventually be their normal selves again, an...
Creating a safe, open space is key to talking to kids about divorce
Children thrive when they grow up in a conflict-free environment, and this initial conversation about divorce is the first opportunity for parents to create this safe space. By telling children togeth...
Single moms have healthy social lives by managing kids' expectations
It is vital for adults to engage in a social life post divorce. Having no interests outside of children is unhealthy and sends the wrong message to kids. While it is common for children to fantasize t...
Sensitivity is vital when talking to toddlers about divorce
Toddlers thrive when their needs are understood and met. Remember, your children may not have the words to express themselves at all times. Be patient, keep the routines as steady as possible, and rea...
Ease the transition for kids between two homes after divorce
After a divorce, it can be very difficult for children to adjust to living arrangements between the new homes of their parents. While the constant moving can become taxing, it is possible to make the ...
Help your kids by moving on after divorce and reclaim your life
Divorce can leave you feeling like your life is spinning out of control, but tying up the remaining ties that bind you will help you reclaim your life. It is important to remember, especially for pare...
Managing the effects of divorce on kids with and without disabilities
A divorce is challenging for any family to endure. When a family with disabilities is divorcing, some of the same guidelines apply to the family in terms of how to minimize stress and maximize positiv...
Expert advice for protecting your children during and after divorce
To avoid making regrettable mistakes and to safeguard our children’s peace of mind following your divorce there’s one crucial question every parent should ask themselves: Do I love my children mor...
What to do when your teenager wants to move in with your ex-spouse
When your teenager tells you they want to move in with your ex you may feel overwhelmed, upset, betrayed, or hurt. It is important to not let these feelings cloud your judgment. If you are certain you...
Navigating divorce while raising a child with special needs
Divorce is challenging for the entire family, but smart planning is vital when caring for a child with special needs. Make the system work for you and your child by taking a practical look at what spe...
Ensure a happy and healthy future for kids by divorcing with dignity
How you divorce and how you behave after the divorce affects your children for the rest of their lives. When you divorce with dignity, you are teaching your children how to behave by your example--not...
Make your divorce easier on kids by divorcing only your spouse
Divorce is traumatic for the entire family—especially for children. Always think about your words and your actions. It is crucial to help your children understand that although their family has chan...

Taxes

Be prepared for when you get audited by the IRS
An IRS tax audit can be won, but only if you know your rights and know how and when to assert them. By following the simple rules outlined in this article, you too can handle many aspects of your audi...
Expert advice on dealing with the IRS on back taxes and collections
In any dealings with the IRS collection division, you first want to make sure you avoid any enforced collection activities, such as wage or bank seizures (called ‘levies’). If you cooperate with t...
Protect against an IRS audit when you file small-business taxes
If you establish your small/home-based business under the proper entity and run it in such a way that you appropriately compensate yourself for your time worked, properly classify your workers, and ma...
Hire a trustworthy and qualified certified public accountant (CPA)
CPAs are typically one of the most trusted advisors an individual will work with in their lives. Even though the process of hiring one may be a bit time consuming, performing a little due diligence up...
Advice on hiring the right tax attorney to help you fight an IRS audit
If you are in need of a tax attorney, it is important that you seek the services of one who is the best fit for your case. Work with an attorney who is experienced, has a good understanding of your ca...
How to make sure your tax returns are never audited by the IRS
The IRS is currently auditing as many people as they can. Their auditors are trained to extract as much money from you as possible. Your best protection is to avoid an audit at all costs. Remember to ...
Should you have a professional tax preparer do your personal taxes?
Deciding to use a paid return preparer is a personal decision based on the complexity of your reporting situation, the amount of money and time you have to spend on tax preparation and your own comfor...
Advice for filing taxes on your own for the first time
Whether you are 3yrs, 18 yrs, or 30 yrs old filing for the first time, you must understand that preparing a tax return requires an understanding of the tax rules. Most general information passed aroun...
What can independent contractors do to help reduce their tax bill?
The keys to minimizing taxes are knowledge, planning, and record keeping. You need knowledge about your business and knowledge about the available tax deductions and credits. Planning allows you to ma...
Small businesses can cut taxes by donating excess inventory
Companies that are interested in donating merchandise have options to consider. They can either donate items themselves or use a gifts-in-kind non profit organization.A gifts in kind program solicits ...
Tax advisers do taxes and can help improve your financial health
Choosing a tax advisor shouldn’t be as simple as selecting the first one you see in the phone book. Do thorough research and find the best person to meet your individual needs. Your advisor should b...
Advice for a sole proprietor business owner facing an IRS audit
Audits are not fun, but they happen. The best way to prepare for an audit is to have your documentation organized when you file your return, and keep that information for at least seven years. Failing...

Financing Education

The EFC and how it affects your financial aid
Understanding how financial aid calculations work for the colleges your student is considering is essential to proper college planning. Each family’s finances are unique. What may work for a high-in...
Apply for scholarships the right way to get more money for college
Securing funding for your education can be a daunting and anxiety-ridden task. However, investing the time necessary to identify and apply for scholarships and being focused in your search could make ...
Teach your college student how to budget for financial independence
Teaching your child financial responsibility while in college is one of the most important lessons you can teach them. Going over these financial tips with your college student can not only help them ...
How to save money for college and retirement at the same time
Finding the financial resources to save for retirement and college savings requires careful planning and budgeting. I typically recommend to my clients that retirement savings is the top priority, whi...
College students: manage your spending to help you save money
While you are hitting the books and earning that degree, you also can be making an investment in your financial future by developing good financial management skills. Set the basis for your future by ...
Make the most of federal student loans to pay for college
The U.S. now has the most generous student loan repayment program in the world. The problem is that almost 90% of the public, the majority of the news media, and even most members of Congress don’t ...
Should you use student loans to pay for your college education?
If there is only one thing you take away from this article, it’s that you must assess if the debt is worth it. I encourage you to reach out to a career counselor or a professional in the industry yo...
A 529 plan for your child is a smart way to save money for college
If you plan to put several thousand dollars into any 529 plan, be sure to have a meeting, first, with a CPA or certified financial advisor who understands them well, and can also discuss other options...

Banking

How to protect the deceased estate from identity theft and fraud
The threat of identity theft does not go away when a person dies. In fact, it increases and the harm that identity theft can cause even after death is significant, however, by limiting information in ...
Protect your kids from becoming a victim of identity theft
Child identity theft is an enormous black market business, and it is rapidly growing. It is an unfortunate byproduct of the electronic age. The good news is that by practicing the advice contained in ...
Identity theft victims must protect themselves from further damage
Identity theft can be a very challenging experience. But you can and will get through it. Stay calm and write everything down because your brain will be going a mile a minute. Include easy to forget i...
Avoid being victimized by a data breach and protect your identity
Everyone reading this article has been subjected to a data breach – it is a new reality of the electronic age. It similar to driving a car: at some point an inconsiderate driver will cut you off. Yo...
How to protect yourself from identity theft and fraud
Identify theft is growing every year. The easiest way to protect yourself online is to be proactive – know what information is available about you and protect your information. If you are careful yo...
Advice on choosing a bank for your checking and savings account
When choosing a bank for your checking and savings accounts, research is key. Know the bank’s customer service philosophy, what products and services the bank offers, and where you stand financially...
Invest through your bank's FDIC-insured Money Market account
Money Market (MM) accounts are an excellent way to optimally invest your money in the short-to-medium term. They work best as an investment vehicle when you are saving up for a specific goal. Shop aro...
How to choose and make the most of your rewards credit card
The right credit card can be convenient, efficient and rewarding, but no card is worth incurring debt to collect rewards. Don't choose a card just because it offers a lucrative signup bonus or gives y...
What to do if your wallet is lost, stolen, or missing
It is important to remember that losing your wallet is not always a direct link to stolen identity. Regardless of why your wallet is missing, following through with the above tactics will help you to ...
A donor advised fund (DAF) is a great way to give to charity
Donor-advised funds are an excellent tool for charitable giving and tax management. Benefits include their low costs as well as their flexibility around making contributions and recommending grants. O...
How to minimize bank fees on your checking account and bank cards
Become familiar with a bank’s requirements and understand your finances to maintain minimal or even nonexistent bank fees. As its first priority, a bank should be committed to its Customers, provide...

Education Loans

Avoiding the horror stories of student loan debt
As in most other personal finance matters, planning ahead is usually a worthwhile effort. It may involve more factors in your college decision, but with the cost of college so high today, families and...
Parents: Caution when cosigning for child’s college student loan
Cosigning a loan is a big commitment and not a decision you should make without really thinking it over. Consider all of the options you and your child have to finance his or her education before maki...
Consolidating your student loans is the best option to repay them
Loan consolidation may simplify your repayment process, lower your monthly payments, and help you avoid default on your student loans. But before applying for consolidation, review all of your options...
Advice for when you are not able to pay your student loan payments
Not being able to repay your student loans may be a big event in your life, but it doesn’t define your life. Following these steps will help you take inventory of the magnitude of the problem, so yo...
How to have a life after college and repay your student loans
With a little careful planning and budgeting, recent college graduates can get started on the right foot. Depending on your long-term goals, being open to a public sector position may help wipe out th...
Money lessons every college grad should know
Graduation is a time to celebrate your achievement over the past four years and the transition to another phase of your adult life. Take the time to educate yourself now on the basics of personal fina...

Money and Health Care

Do not let large medical bills weigh you down
By staying in constant communication with your billing office, paying the debt off slowly, and researching assistance programs, you can pay off your large medical debt easily. Keep in mind that paying...
Read the small print when signing medical financial consent forms
Other kinds of small print can also harm your finances when you sign one of these forms. Always read before signing, and ask the right questions, to help protect your family budget against possibly un...
Protect yourself and your budget when signing online medical financial consent forms
Many factors can affect your health care experience including your doctor’s financial policies. Be vigilant and aware of unclear language or mistakenly waiving your legal rights. If you find yoursel...
Understanding your medical bills can protect your financial health
Having a medical procedure or test can be intimidating in and of itself. Take the time to understand how your insurance plan will cover the service and or your financial obligation. Communicate with y...

Finance for Couples

Debt, savings, and spending basics for the newly engaged
When it comes to finances, marriage is for richer or for poorer. But making the effort to understand and discuss each other’s finances before walking down the aisle will play a major role in a long,...
Newly married couples should plan their finances together
Discussing these do’s and don’ts is a good start. Chances are good that as you discuss them, others will arise. Take the opportunity to open an honest dialogue about your finances – past, presen...
Discussing a prenup can help you both plan your financial future
Most beginnings are ruined by worrying about the endings, a prenup gives you the opportunity to discuss the endings at the beginning. Being knowledgeable of prenuptial agreement is necessary to help y...
Prepare for your first baby with a solid financial plan
Having a child is an amazing and terrifying experience. By preparing your finances in advance you can reduce the financial stress on you and your family and enjoy as much time as possible with your li...
Spend time on your family's financial plan to ensure a secure future
Before you get pulled into the excitement of the holidays this season, take some time to focus on you and your family’s financial plan. Don’t get overwhelmed and take it all on yourself. Call a fi...
Advice on how to agree on budgeting and finances with your spouse
Couples often assign one spouse to take the helm when it comes to home finances and budgets. But this can be a recipe for disaster. It is more important than ever for spouses to work together, stay in...
Marriages succeed when you're open and honest about finances
Newly married couples should ensure that their relationship is not affected because of financial discrepancies. This means that you both need to work together to achieve your financial goals, and neve...
Professional advice on financial planning for newlyweds
Marriage is a great time to work together as a team and get your financial “house” in order. Not only will you set yourself up for long-term success, but it is a great opportunity to bring you clo...
Advice on how to deal with your shopaholic spouse
Using a budget as a tool, talking things through honestly, and removing judgments is the best way for both partners in a relationship to come to terms with overspending....
How to prepare yourself financially for a new baby
Some cities cost more than others for housing, childcare, and energy, while baby items and healthcare are constant. Be sure to investigate all ways you can save money before having your child. Followi...
When having a baby you must assess and adjust your finances
Although saving for college can seem daunting, if you follow these simple dos and don’ts, you can set and reach your college saving goals. You don’t have to save everything, but anything you can s...
Having a baby is a milestone requiring financial planning
Money Milestones such as having a new baby can be exciting. The key thing is to do as much as you can before the baby arrives.People often think they can use their maternity or paternity leave to take...
A prenup or postnup agreement can be really good for a marriage
Nobody wants to think that their marriage won't work or that mid-course you will need to make “adjustments." However, because fights about finance can lead right to the door of divorce, there's some...
Discuss money and budgeting before buying the engagement ring
All of the work that you do as a couple on your financial communication pays off in the end. Getting an early start is great for your relationship and your finances. The ability to have loving and mut...

Money and Divorce

Financial advice for women going through a divorce
Breathe. Take a deep breath. This may seem a bit overwhelming, but if you take one step at a time you will be able to accomplish it all in record time. Try to take action and take care of one thing ea...
Financial advice for women going through divorce after a long marriage
Effective financial planning and a realistic understanding of your options as you navigate divorce are critical. A strong, experienced and collaborative team of professionals, lending unbiased support...
Achieving financial independence after divorce offers a fresh start
You have what it takes to create the next chapter of your life. Each morning, you have the option to create your life -- or just do life. If you have enough money to invest, do your homework and start...
Protect your financial well-being and future during separation
Divorce can be very stressful. If you are separated--or considering a trial separation--these tips will provide immediate and tangible action items that you can tackle today, while also helping to ste...
Expert advice on debt and credit when getting a divorce
By taking steps to protect credit, and focusing on eliminating debt, individuals and families can come divorce through in much better shape....
Expert advice on how to best divide assets during a divorce
Dividing assets can be trickier than people think. With the right tools, and with the help of a divorce lawyer and other professionals, you can make sure you receive a fair settlement or fair division...
Women: a divorce financial planner can help you fairly divide assets
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Women: plan for retirement and secure your future after a divorce
After all is said and done in the divorce proceedings, it's time for you to invest in yourself, and that includes your retirement. Consider all of your options, have fun investing in your next phases ...
Advice on how to split your assets in a divorce
The most important advice to keep in mind is the goal of finishing the process of getting divorced in an economical and practical way. Sometimes, that requires spending money on attorneys and other pr...
Advice for women on calculating your financial needs after divorce
A well-thought-out financial plan will help a client not only identify their goals but successfully achieve them. A client must be able to communicate to their attorney their monthly financial needs, ...
Advice for women on determining financial needs after divorce
Determining your financial needs post-divorce is a multi-step process, but can be made easier with the help of a team of professionals. Ask questions, ask for advice, and be open to different options....
Do not just divide assets and debts in divorce—consider a buyout
While homes are the most common of large assets (and debts) that are dealt with in a divorce, this advice can also apply to other large assets and debts that are acquired within a marriage. Both spous...
Help for dads paying child support or alimony after a job loss
If you lose your job, you cannot just stop paying. Without following the proper procedures, in the end, you will be found to owe all the money which you did not pay in child support and/or alimony. Yo...

Death of a Spouse

Advice for surviving the death of a spouse or partner at a young age
The journey of young widowhood is not easy. However, there are many healthy ways to cope with your loss that will help you move through it and even uplift you. Reach for support when you need it, spea...
Learn to accept and embrace the death of a loved one
Can you recall all the love, intellect, caring, humor and other positive qualities of your departed loved one? All that continues on beyond bodily death! That’s the great news that will help you get...
Advice on helping a loved one through the first year of grieving
Supporting a loved one through their grief journey can be challenging. You might feel a bit lost at times and unsure about how to best offer support. There are many tips and tools that can help you as...
The death of a spouse: Rebuilding your life after the first year
The second year after the loss of a spouse is a time of change. Grieving takes second place to refiguring and rebuilding your life. This is a time to not only reclaim your life and refocus on a new, s...
Live, love and laugh again after the loss of a loved one
At first it’s hard to make the transition to a new ‘you’. It requires not feeling guilty for smiling again, laughing again….to face your fears head-on by taking risks again. Above all else, th...
Take care of yourself emotionally after a loved one dies
Coping techniques may help you emotionally after someone dies. Help yourself by learning to identify what normal grief reactions are and then utilize the coping techniques that best work for you. If y...

Bankruptcy Law

The right bankruptcy attorney will protect your assets
Don’t fool yourself into thinking that you are now an expert at bankruptcy law because of what you found on the Internet. Remember what Samuel Clemens said, "It ain't what you don't know that gets y...
Chapter 13 bankruptcy protection provides you with a fresh financial start
Chapter 13 reorganization gives the debtor (the person filing the bankruptcy) a chance to wipe out the same kind of debts as with Chapter 7 (actually a few more). In addition, you can change the terms...
Chapter 11 business bankruptcy requires fast and specific action
Chapter 11 is a vehicle with many advantages for a business reorganization. Among other things, it provides breathing space for the company to negotiate with creditors, the ability to deal with all cr...
Prepare for your bankruptcy 341 meeting of creditors
The 341 meeting of creditors are usually quick, simple, non-adversarial hearings designed to verify that the information provided to the bankruptcy court is correct. This hearing affords you an opport...
Creditors can protect their rights in a Chapter 13 bankruptcy
Although no creditor wants to learn that its borrower or debtor has filed for bankruptcy, creditors armed with the knowledge of their rights and limitations under the Bankruptcy Code are prepared to q...
How to file Chapter 12 bankruptcy for family farmers and fishermen
Chapter 12 may provide the solution for a family farmer or family fisherman in financial distress. It provides debtors with the breathing room to develop and work a plan to pay off all or a portion of...

Wills and Estates

Helping you through probate
Probate can be a complex process depending upon the amount and value of the assets in the estate, the debts owed and the number of people involved. It is important that you know what to do and what no...
Things to consider with a power of attorney
A power of attorney utilized by the right person in the right situation(s) is a very helpful and effective tool. Unfortunately, many people sign a power of attorney without proper guidance from an att...
What’s the difference between a will and a living trust?
There are many factors that go into deciding whether your family is best served by a will-based estate plan or a living trust. Making the right decision can save money, hassle, and heartache. Like mos...
Should I leave assets outright or in a trust?
Leaving assets to heirs can be a tall task for people. There are often numerous considerations that need to be addressed, including whether to leave assets in trust or whether to leave those assets ou...
Evaluate elder’s competency to protect their health and finances
A competency evaluation team includes medical professionals and clinical psychologists who evaluate a person's cognitive functioning, memory capacity and reasoning capability. These factors are import...
A revocable living trust will protect your assets and avoid probate
Though setting up a living trust may seem complicated compared with a will, ultimately it may provide you and your loved ones with more options when it comes to planning for the future. Because estate...
Create a postnuptial agreement to protect your financial future
When bringing up the topic of getting a postnup, always remember that this is a financial plan for your future; to protect the finances you and your spouse have acquired since being married. Always ma...
Create a written will to protect loved ones and give you peace of mind
Writing a will is an emotionally fraught issue. For many people, making sure their relatives and loved ones are taken care in the event of their demise is essential. Though there are myriad issues and...
Expert advice on deciding if a prenup is right for you
A prenup is what you make it. It can be simple, straightforward and equally protect both parties. It can be used simply as a planning tool to expedite a divorce, or it can be used to protect only one ...
Ensure your pets are taken care of in your estate plan and will
Determining what should happen to your pets if you become unable to take care of them is an important and often overlooked part of estate planning. If you think of your pets as members of your family,...
A will helps control the distribution of your estate after death
Even if you desire to leave all of your property to those who would be considered your “heirs at law,” a simple self-proving will appointing an independent executor will streamline the probate pro...
Newlyweds should prepare a will and discuss estate planning
This article discusses some of the most important estate planning issues to be concerned with for newlyweds. If you need further help, you should contact an estate planner or an attorney who is experi...
How to correctly modify your will after having a child
Simple steps can be taken to protect your minor children should something happen to you. Updating your will by appointing a guardian, creating trusts, and appointing trustees can ensure that your mino...

Weddings

Successfully choose the wine for a wedding
Choosing the wine for your wedding reception is an important detail that can take time and be challenging if you don’t know a lot about wine. Consult with the staff at your local wine shop. They can...
Enjoy the full wine tasting experience with decanting
The choice to decant - and for how long - is a very individualized decision. Each wine is unique in its need for aeration and filtering. Experiment and go by your own personal preference. Most of all,...
Advice for planning an environmentally friendly green wedding
Planning a green, eco-friendly wedding is no different than a non-green wedding and you can do it without sacrificing your budget, vision or sanity. Complete your research early or ask for help. Use p...
Choose the right jewelry to help accentuate your wedding gown
From ensuring that your jewelry coordinates with your dress and hair style, to what to choose for your “something old, new, borrowed, and blue,” there are many things to consider when picking out ...
Expert advice for planning a stress-free wedding
Wedding memories last a lifetime. A memorable wedding begins with thoughtful, considerate planning. Sticking to a budget and planning a wedding that reflects your shared values ensures your wedding da...
Lake Geneva, WI: The destination wedding place of your dreams
For nearly 150 years, Lake Geneva has been a vacation destination for Chicagoans. Today, Lake Geneva is recognized as One of a Dozen Distinctive Destinations offering a vast array of lodging opportuni...
Choose a great videographer to capture your wedding day
While photography has always been the go-to wedding service that captures the special day, videography has really grown in popularity. It’s fun to show off your highlight video to friends online, or...
Advice on choosing the best photographer for your wedding day
Wedding photos will last forever, and while you and your spouse and your family and friends are the subjects of these photos, it is the photographer’s style and vision that produced these photos. Th...
Plan a memorable and affordable destination wedding in Myrtle Beach
Whether it’s a week-long wedding affair, a long weekend getaway or a memorable honeymoon, the attainable and affordable destination of Myrtle Beach will not disappoint....
Wedding Woofers: How to include your dog in your wedding
The decision to include your dog in your wedding is an important and joyous one. It’s a decision that needs to include all the pros and cons before you invite them. Make sure that everyone, (you, yo...
Create your wedding guest list without overextending your invites
Guest list can quickly become a headache for any newly engaged couple, but they don’t have to be. By properly managing the guest list, couples can not only experience a less stressful wedding planni...
Bridesmaid etiquette: How to honor your friend's wedding day
All in all, as a bridesmaid, you hold such a special position in the wedding and that should be treated with the utmost respect. The bride loves you, trusts you, and appreciates your presence. Take yo...
How to plan an unforgettable bachelorette party
If you have been given the pleasure of hosting a bachelorette party, know that it is your one shot to make the Bride-To-Be’s last fling before the ring one for the bachelorette record books. Leaving...
Advice for planning a successful wedding in the digital age
As technology continues to play a large role in our lives and makes things quicker and easier, newlyweds will continue to tread the fine line between innovation and tradition....
When creating your wedding registry choose gifts you want and need
Registering for your wedding seems simple, but when faced with the proposition of making a giant joint wish list, it can be hard to know where to start. Weddings are built on cultural and societal tra...
Choose a wedding officiant that will create the special ceremony
When you have found your perfect match, it’s important to find your second perfect match: an ideal officiant who will make you feel comfortable, listen to you, and be unique. They’ll work with you...
Advice for choreographing your wedding dance
Remember, long after the food has been eaten, the guests have gone home and the wedding gown has been packed away, you’ll always be able to use your new abilities with the timeless art of dance....
You can have a dream wedding with a limited budget
Don’t be afraid to think outside the box and to try something new. Your wedding is just that, your wedding - so feel free to mix it up a bit. Even if budget is a concern, your dream wedding is possi...
What you need to know for the perfect wedding reception
It is important that you feel comfortable knowing that your event planner understands your vision on your wedding day. It’s all about both of you! Determine your personal wedding style, gather toget...
How to have a beautiful wedding and save money at the same time
Often times, the expenses that seem most appropriate to cut when planning a wedding, end up costing you more in the long run or ultimately diminish your guests’ enjoyment of day. So be sure to be se...
Go to a stylist to get the perfect hair on your wedding day
“I didn’t care what my hair looked like,” said no bride ever. The way you feel about the way you look on your wedding day will be a determining factor in how you enjoy the day, so consider the i...
How to buy the perfect engagement ring for your fiancée
Now that you know just about everything to consider when looking for and evaluating a diamond engagement ring, it’s time to start shopping for that special someone!...

Home Mortgages

Guide for first time homebuyers on securing a mortgage
There has never been a better time to become a first time homebuyer. Housing prices have bottomed out and appear to be stabilizing. Most experts are predicting that we will see home prices begin to in...
How to get a mortgage to buy or refinance your home
Financial institutions have become more rigorous in their mortgage application process. The mortgage application and approval process can seem demanding an onerous. Reduce your stress by having patien...
Guide to obtaining a mortgage in the new lending world
Getting a mortgage is not the same as it was just a few years ago. The process is harder, more thorough and often longer. However, you are trying to obtain the American dream of owning a piece of eart...
Secure a mortgage and proper financing for your vacation property
Enjoying your new vacation home is a lot more fun than getting the financing. Make sure you are prepared to run the gauntlet: clean-up any inaccurate credit, put down as much down payment as possible,...
Successfully secure a loan for your home renovation project
A newly renovated home can be beautiful thing. Good planning on how you are going to finance the costs of these improvements and who will help you do this will make this journey much more pleasant. A ...
A reverse mortgage is a great way for homeowners to convert equity
A reverse mortgage is a great resource to help some that need that additional source of income. Reviewing all of your options and understanding what this type of loan means for you, will help you make...
Choose between a 5/1 ARM or 30 year fixed rate mortgage
A fixed-rate mortgage generally costs a bit more per month during the first few years of your mortgage, but you know what your payment will be for the term of your loan – for instance, if you are lo...
Which loan is best for you? A jumbo or conventional mortgage
Securing a loan when purchasing a home is just part of the process, and you need to know what options you have so that you can have the best interest rate and the lowest monthly mortgage payment possi...
Expert advice on buying or not buying points for a home mortgage
Just like most things in life, the answer to this question is nuanced and it starts with “it depends.” It depends on how long you’ll keep the loan, how much the point will cost you, and how long...
Expert advice on securing the best rate for your home mortgage
Shopping for a mortgage and mortgage rate can be a daunting process. Remember that buying a home and getting a mortgage is the biggest financial decision and investment that most of us will make in ou...
Rebuild your credit and secure a mortgage after a short sale
Selling your house as a short sale can be a very overwhelming task even 3 years after. But in order to make it less stressful, and not ruin your credit for a long period of time, there are definitely ...
Veterans should use the VA Loan Program when buying a house
If you’ve served in the military, the VA home loan guarantee program can provide great benefits that are unavailable to civilians and those using a conventional mortgage product. Get in touch with a...
Determine how much you can afford to borrow for a home mortgage
Determining how much you can afford to borrow combines the efforts of both the buyer and the lender. Borrowers must do their part to provide accurate and current information to their lender, but they ...
Advice for successfully securing a home mortgage when self employed
America’s economic vitality relies on the small business owner and the self-employed workforce. It’s unfortunate that these same individuals often face higher hurdles when obtaining mortgages for ...
How to successfully get a mortgage for your investment property
We have all seen or known individuals who have built their own rental real estate portfolios and complemented their other investment strategies nicely through ownership and management of real estate. ...
Learn when to lock your fixed rate loan to get the best rate
More than anything ask your friends, family, and coworkers who they recommend to help with mortgage financing. Interview several of them and listen to your gut instincts. Ask yourself, is this a solid...
How to get a mortgage for a home with less than 20% down payment
Choosing the mortgage structure that is best for you in the very common situation where less than a 20 percent down payment is requires an understanding of both your needs and the lender’s requireme...
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