The following is part 1 of my new series, Simple Investing The Financial Slacker Way. In order to reach financial independence, you need to do three things – make money, save money, and invest money. It’s really that simple. But like many things, it’s easier said than done. Succeed with each of these three […]
Investing
Personal Capital Review: Tracking Your Expenses Saves Money
After reading a few reviews and recommendations, I started using Personal Capital a while back and immediately realized what a great product it is. If you are not doing so already, I highly recommend that you start tracking your expenses right away. And Personal Capital is a great tool for this purpose. While there are other […]
Mortgage Refinance – The Decision
A little while back, I published an article about my private finance client who was grappling with a mortgage refinance decision on her commercial office building. The client is a retired widow in her mid 60’s whose husband passed away about three years ago. Previously, the client’s husband had entered into a floating 15-year mortgage in […]
Refinance Analysis of a Commercial Mortgage
I love financial analysis. Whether it’s a mortgage refinance, an acquisition, or just looking at my own spending, the process of building a financial model and digging into the numbers to solve a problem is very satisfying. And when I can provide my services to a client with a tricky financial situation, it’s even more […]
Employment Growth Rate Declining
I believe that the health of an economy is reflected in the employment growth rate of that economy. When demand for products and services increases, companies hire employees to meet that growing demand. When the reverse happens, companies slow down their hiring and maybe even lay off employees. Earlier today, the US Bureau of Labor […]
Renting vs Buying
The other day I wrote an article and mentioned the challenges Millennials are having purchasing a home. I received so many comments and direct emails in support of renting vs buying that I decided to analyze the question in today’s post. The most expensive single asset for most people is their home. For many, not only is their […]