Author - Danielle L. Schultz, CFP®, CDFA

1
What The Emmys Can Teach Us About Financial Planning
2
College Planning – How Much Should Your Child Contribute?
3
Social Security—Take The Money And Run?
4
Optimize Everything?
5
Pricing Luxury: What Should You Spend On A Hobby?

What The Emmys Can Teach Us About Financial Planning

I’ll ‘fess up and admit I didn’t watch the whole thing—instead I scared myself so much watching Wallander that I was afraid to take the dog out. However, I couldn’t resist taking a peek at the dresses on the New York Times’ Style app this morning. So I’ll try to link to specific examples.

If you’re going naked, you probably should be under 35.

Naked was a big look at the Emmys (isn’t it always), but this time it was transparent, or what passed for it. I thought Zooey Deschanel looked great. Similarly, if you’re going naked in investments (i.e.

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College Planning – How Much Should Your Child Contribute?

It’s that time of year—that time of year when parents of college bound seniors get to sign up for the monthly payment plan. That time when you look at your kid and ask yourself whether it really is worth it to pay someone $56,000 to take them off your hands. Just kidding. But another question does arise—how much, if anything, should Jason or Jennifer be expected to pay?

Easy answer, huh? As much as possible! But what is really possible, in this economy? Herewith I share with you a view from the trenches, highly personal but with applicability to many

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Social Security—Take The Money And Run?

If I had a euro for every time I’ve heard Social Security is going broke, I’d have decamped to Paris by now and wouldn’t be dispensing all this sage financial advice. C’mon guys and gals, if you’re old enough to even think about collecting Social Security (exception being my 18 year old who worries about this stuff), it’s going to be around for you. So then it comes down to—when to collect. Lately several people have posed the idea that they will collect it at 62 or 66 and invest the money instead of spending it. Aside from the fact …

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Optimize Everything?

One of the benefits to the flood of information available on the web, and the self-publishing industry that the web makes possible, is that in two seconds or less, you can learn the ultimate best way to pick stocks (so they say), paint your porch, or manage your office work flow. Not a day goes by that I don’t get calls or a dozen emails from people pitching me to optimize my insurance recommendations, my archival backup, or my time management. Have a senior in high school? If they don’t know how to write a college admissions essay, hundreds of …

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Pricing Luxury: What Should You Spend On A Hobby?

How much should you pay for something that is purely a “want”, not a need? There are formulas for what house you can afford, how much of your budget should go to utilities, etc. but what if it’s something you just plain want?

Recently my sewing machine went kaput. Seventeen years ago it was top of the line, and since I’ve been sewing since I was 10, I figured I’d replace it with whatever was currently tops—I’ve earned it, no? When I was in my chocolate-chip-cookies-Mommy phase, I made all of dear daughter’s clothing for about her first five years

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