Archive for posts by Kent Irwin

Certain life events can make significant changes to your overall finances and  can necessitate updating your financial plan. This list of life events is provided to alert you to circumstances that may affect your overall plan. Receiving a large amount of money. “Money is the world’s curse. May the Lord smite me with it! And may… Read More »

There is a lot of misinformation about financial planning. Therefore, this article exposes some of the myths or hypes of planning. This information may be helpful for people to understand more about financial planning. Financial Plans Should Not Be: 1: Product Purchase Centered:  Financial planning should never be based on the sale of a particular insurance or… Read More »

Financial Planning Defined: The devising of a program for the allocation and management of finances and capital through budgeting, investment, etc. In other words, it is the process of meeting your life goals through the proper management of your finances. Financial Planning Trends:  Financial planning has been an emerging profession for about the last 30 years. Prior to… Read More »

Personal Comprehensive Financial Planning: A financial plan serves as an ongoing master plan for your money.  It also serves as a cornerstone for decision making throughout your life.  All of life’s decisions affect our finances; education, home purchases, vacations, and children, and a multitude of choices also have an affect on college planning, retirement, etc.  A financial plan should… Read More »

Taking a reflective walk down memory lane about 3D printers, I find that it’s a short walk from my dentist to my laptop.  Several years, ago I had a cap glued onto a molar. It was created from several pictures relayed to a 3D laser that cast a duplicate of the missing top of my… Read More »

Life is busy, so sometimes people let their guards down when it comes to using credit cards safely. So here are 10 things you should do to help make sure no one steals your credit and debit card information: Use cash more often for such things as buying fast food and gasoline. Some thieves attach little card readers to… Read More »

Millions of Target customers as well as those of several other retailers recently were victims of data breaches over the holidays. If you were one of them, you should know what to do. If you used plastic at any of them, especially Target, monitor your account daily, login online, to check out if there any unauthorized charges…. Read More »

Auto clubs like AAA, MCA and Better World Club, offer very useful benefits, such as roadside assistance and towing. Many of them today are offering much more, including car repairs. In addition to clubs, other competitors have entered that market place, including credit-card issuers, insurance companies, car manufacturers, and oil companies. So before you buy,… Read More »

Do you have a special tax-advantaged savings account for health care expenses? There are several types of them to which the federal government permits employees and employers to contribute: Flexible Spending Accounts (FSA), Health Savings Accounts (HSA), Medical Savings Accounts (MSA), and Health Reimbursement Arrangements (HRA). HSAs are required to be offered in conjunction with High Deductible Heath… Read More »

Here is a great list of 5 things you can do, so that you WILL achieve your goals in 2014.  Most people don’t seem to be able to keep resolutions beyond a few months, but if you do these things I know you will reach your goals. Commit to Not Quit:  Whatever goals you set… Read More »