Author archive

Theses days, 401K retirement plans are typically the cornerstone of every investor’s retirement plan. Gone are the days of big company pension plans, and for many of us, big company matches to an employee’s retirement funds. And relying on Social Security benefits alone will surely be a problem since those benefits are meant to supplement [...]

A lot of people want to help out someone in their lives. They see someone they care about struggling financially and want to lend a helping hand. Compassion is an admirable quality, but when you co-sign for a loan, you’re putting your financial well being at risk. Even if it’s your son, daughter, girlfriend, boyfriend, [...]

So you have credit card debt. Or medical debt or even student loan debt. Or a combination! It could be a lot or a little. Maybe you are successfully making payments but the balances aren’t going down. Or it’s to the point where you are afraid to answer the phone and get the mail. Wherever [...]

You’ve probably heard horror stories about folks who’ve lent money to friends or family members and got burned for their generosity. While this shouldn’t stop you from helping your loved ones, below are a few tips that may prevent anger and resentment should your arrangement fall apart. If you’re going to hand over money to [...]

Our own blogger Barb Miller was asked to contribute to an article called “6 Ways to Help an Adult Child Without Going Broke” for The NextAvenue Blog. Author Richard Eisenberg does a great job explaining that you need to have a candid talk about what you can and can’t do.   Click to read “6 [...]

Many people (previously myself included) think that products are safe just because they’re sold at Target or Wal-Mart. The problem with that logic, according to the Environmental Working Group, is that in the U.S. no health studies or tests have to be done on cosmetics before they’re put on the shelves. Also, according to the [...]

Credit monitoring services sure have gotten popular over the last few years. While I can safely refrain from saying it’s a waste of money for everyone, I will outline a few of the reasons why I believe they are incorrectly marketed and may not contain as much value as they are stated to hold. 1. [...]

Here is yet ANOTHER testimonial of how someone paid off their credit cards through a Debt Management Plan with LSS. Debt can happen to anyone at any stage in life. Debt doesn’t care about your age, marital status, income bracket, etc. And similarly, being debt free can happen to anyone as well. All it takes [...]

I’ve been a bankruptcy counselor with LSS for many years now and it’s been a perfect fit with my legal background. My counseling experience has shown that people of all ages file bankruptcy, from their early twenties right into their eighties. Just as folks of different ages find the need for bankruptcy protection, just as [...]

It’s that time of year again: we’re on the verge of summer. Thank goodness! Many of us hibernated more than normal this year because this winter was, well…let’s just say less than desirable. If you’re like me, it also took away my usual motivation to exercise because I wanted to just curl up on my [...]