Addiction doesn’t discriminate. This insidious disease grabs ahold of the unsuspecting, brightest, strongest and most caring individuals. As you watch your loved one succumb to addiction, you try to wrap your arms around “why” and “how” this could have happened. You plead, fight, scream and cry enough to wake up a whole neighborhood. However, you are simply hoping that you… Read More
Archive for the ‘ Family Planning ’ Category
Bring Financial Literacy Programs to Our Schools
When I was in school, I remember taking classes like Algebra, Chemistry, Art, Cooking, Physical Education, and English. No teachers taught me how to create a budget and stick to it. I didn’t learn what debt is and I didn’t know how a college loan would impact my bottom line once I graduated. No one at school taught me what… Read More
Should My Pet Be Insured?
For many households, pets are part of the family and often receive the same commitment to care and well-being as other family members. However, a commitment like this may come at a cost – and an unexpected one, too. CNBC reported that the average cost of an emergency veterinary treatment runs between $800 and $1,500 for cats and dogs[1]. If… Read More
Financial Steps to Take When a Loved One Passes Away
Dealing with finances after a loved one passes only adds an extra layer of stress during an already difficult time. It may seem overwhelming if you aren’t aware of their wishes or financial situation. The steps below can help during the process. Notify Their Financial Institutions To safeguard the descendant’s assets, it’s important to notify all companies that they have… Read More
The Power of Habits
This morning I woke up and made myself a cup of green tea with lemon. I then got ready for work in my usual routine – washed my face, brushed my hair, got dressed and I was out the door. I took my usual route to work – you know, the one where you can zone out and by the… Read More
Child Care Costs
Referenced on Babycenter.com, the average cost of center-based daycare in the United States is $11,666 per year ($972 a month), but prices range from $3,582 to $18,773 a year ($300 to $1,564 monthly), according to the National Association of Child Care Resource and Referral Agencies. Below are some topics that may give insight on money-saving ideas. Selective Scheduling Scheduling arrangements such as staggering spousal work schedules or… Read More
Are You on Track to Meet Your Financial Goals?
What do you see when you think of the next 10, 20, 30+ years of your life? Perhaps you’re looking to retire close to a white beach, maybe you’d like to take your family on a once-in-a-lifetime vacation to the Serengeti, or you’d like to pay for your child’s wedding. Have you considered how you will reach these goals? Perhaps… Read More
Seven Things to Do Before You Buy Your First House
Buying a home is an exciting and significant event in your life. Before taking a dive into house hunting, it is important to do your research and have your eyes wide open to reality. The more you understand about the total cost in purchasing and owning a home, the better off you will be financially. Do your research on credits… Read More
Teen Driver Expenses
Young drivers involve a variety of expenses besides the vehicle itself. Here are examples of some of the expenses teen drivers will incur. Insurance The cost of coverage will be based on the driver characteristics, the vehicle, the insurer and the insured’s eligible discounts. A safe driver course can often help reduce the cost of insurance. There are other discounts… Read More
Money Lessons to Teach Your Kids
Children as young as three-years-old can understand basic money concepts. By setting a positive financial example and teaching good money habits early, parents can influence their children to lead healthy financial lives. Here are three money lessons to teach your kids. Delayed Gratification Teach children the concept of delayed gratification and the benefits of waiting to buy something they really… Read More
How to Talk to Your Kids About Money
When I was growing up, I went to a public school. There were no financial literacy classes offered to me. My parents, immigrants and new to the American financial system themselves, did their best to instill sound financial habits into my life. I knew I shouldn’t spend more than I earn, I should save for things I want, be wary… Read More