Successful financial planning involves more than the balance in your portfolio. A strong financial plan represents what is important to you as an individual—in other words, your Fiscalosophy. Consider these two scenarios: Mark spends lots of money on trips and...
There’s a movement toward redefining money: instead of accumulating money for what it can buy, more of us want to use money to live the best life possible with what we have––a concept known as Return on Life™ (ROL). With ROL, money becomes a tool to help you live the...
Does investing strike “fear” in you? We once heard somebody say the word “fear” stands for “False Evidence Appearing Real.” That seems to apply to investing. Here’s why. The stock market makes some people nervous. This can be especially true for young people who grew...
Most people consider insurance an important part of their financial plan. But do you also have an insurance philosophy that you use to determine exactly how much coverage you need? Forming an insurance philosophy requires you to think about the people and possessions...
How to check for problems. Provided by Pinecrest Financial Americans aged 45 to 54, who have credit card balances, carry an average debt of $9,096 per individual.1 The wise use of credit is a critical skill in today’s world. Used unwisely, however, credit can...
