Archive for posts by eFinPLAN

Personal Computer: Buy New or Repair?

Categories: Budget, Spend

You might wonder why an article about computer purchasing at a financial planning website. However, in the last 30 years your personal budget for electronic, such as laptops, smart phones, tablets and e-readers has probably expanded a lot; good decision-making is important.

Estate Planning for Your Digital Footprint

Estate planning attorneys are encouraging people to address digital property The death of old-school estate planning began with the advent of the internet. When people pass on today, they leave behind a digital landscape of property that is difficulty to deal with. It used to be your executor, attorney or trustee would compile all of… Read More »

Is I.D. Theft Insurance Essential?

I.D. theft insurance has been a big topic of discussion lately, since the Anthem cyber attack exposed nearly 100 million American’s personal information Here’s a review of how I.D. theft insurance works, other things you can do to protect yourself, and what to do if you are a victim of financial cyber-fraud. The American population is… Read More »

How to Save Money with Lower Gas Prices in 2015

Categories: Automotive, Budget

Gasoline has dropped about $1.50 a gallon According to AAA the national average price of gas is $2.17 (1/9/15) per gallon, for regular. Gas Buddy reports that the highest average price in 2014 was about 3.70 in April. This $1.53  per gallon drop can mean a few extra thousand dollars in your pocket this year. These… Read More »

How to Budget Easily with Mint.com

How to Use Mint To Create and Follow a Budget Preface: There are three basic tools to design a budget and to track spending. You can use an Excel spreadsheet, a free online app like Mint, or one you purchase like YouNeedaBudget.com, also known as YNAB. Many people ask me should if they should use Mint… Read More »

Financial News and Articles from the Web – Dec

Important and Interesting Financial News and Articles from the Web – Dec New homes built with solar panels, trend to help reduce energy costs SEC MLM warning; says to be aware of internet fraudulent multi-level marketing schemes 16 Rules for Investors to Live By – The Wall Street Journal 16 Rules for Investors to Live By Need a… Read More »

How to Start Planning For Retirement

A retirement plan is not your 401(k); therefore, just because you may be a part of an employer-sponsored retirement plan, it doesn’t mean you have a retirement plan. Some people think their retirement plan is their 401(k) or Roth IRA or something like that. Those are just types of retirement accounts–labels on special accounts. They are like one… Read More »

Important Financial Articles from the Web – Nov

Important and Interesting Financial News and Articles from the Web Open enrollment for ACA Obamacare 11/15: If you didn’t sign up last time you can soon, already covered: renew/change, from the New York Times Retirees and real estate, decisions and planning implications, often overlooked but important, from Market Watch Financial planning data worth noting: Social… Read More »

Expert Tips on Overcoming Financial Planning Barriers

Spot & Overcome Financial Planning Barriers The Society of Actuaries sponsored a study of financial planning for the Financial Literacy Group titled Barriers to Financial Advice for non-affluent Consumers. It was a pretty extensive white paper, and an article I wrote was quoted in this study. Obviously, they were looking for qualified authorities in this… Read More »

Why You Shouldn’t Worry About Your Stocks & Investments

Categories: Invest

The stock market has severely slumped this week 2014 has been a great year in the stock market. The Standard & Poor’s 500 (S & P) basket of stock of 500 companies hit an all time record this year when it closed at 2,011 August 26th. However, this week has been particularly bad for the S & P,… Read More »