Author - Kimberly J. Howard, CFP®, CRPC®, ADPA®

1
Credit Scores 101
2
We’re Getting Married – Should We Join Our Accounts?
3
How To Fund Your Way To College
4
Top Tips for Foreign Investing
5
The Current State Of Social Security

Credit Scores 101

Most people have credit cards. Your credit score matters, so don’t take it for granted. And if it is low, here are ways to give it a turbo boost. The most commonly used credit score is from FICO, and it … Continue reading Read More

We’re Getting Married – Should We Join Our Accounts?

Money is one of the biggest stressors in a relationship. There’s no one right way to handle finances in marriage, and the best choice is ultimately what works for you and your spouse. Although some of us want to go into a marriage sharing everything, smart financial planning actually dictates that you don’t have to… and in many cases shouldn’t. Here’s a system many couples start with.

Three pots

In the “three pots” system, each spouse contributes money to one money “pot” for household expenses, and his or her own “pot” for individual expenses. No one gives up their independence …

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How To Fund Your Way To College

With the cost of college rising quicker than the inflation in this country, figuring out how to save for college can be quite a task. However, college is the best investment that can be made—individuals with college degrees make twice as much, on average, than those with just high school diplomas. So, the perilous road towards saving for college must be taken. Check out the following ideas to make saving for college a little bit simpler for you:

Where to Save

Some people prefer saving their money in bank accounts as opposed to stocks. With bank accounts, though there are …

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Top Tips for Foreign Investing

As the global economy seeks to expand, more investors are finding that their portfolios are becoming inevitably diversified from foreign markets. Products that reach consumers at a global level almost always involve an international supply chain that requires various investments in various foreign markets. For example, investors might find infrastructure or job training investments in India are needed in order to service a customer service need or deliver an inexpensive product to consumers in rural areas.

Products made cheaply in China that reach a global audience also requires investments in shipping, marketing, and advertising in other markets. Niche companies in …

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The Current State Of Social Security

Democrats are typically the staunchest supporters of the American social safety net, particularly when it comes to Medicare and Social Security. Thus, it came as a surprise when President Obama submitted a budget that made some concessions to congressional Republicans on Social Security.

The crux of the President’s proposal for Social Security was that its benefits would be linked to the Consumer Price Index (CPI). As it stands, Social Security pension benefits are periodically evaluated and adjusted for inflation, which makes cost-of-living cost increases manageable for pensioners. By tying benefits to the CPI, people receiving Social Security benefits would get …

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