30 Items You Need to Budget for When You Buy a Home

When people are making the own-vs-rent analysis, they typically compare the monthly payment involved in owning a home—principal, interest, taxes, and insurance, or “PITI”—next to what it would cost to rent the same home. But what that analysis ignores is that it’s not all about monthly payment. In fact, it isn’t even about the income […]

Published or Updated: July 14, 2016

5 High-Tech Solutions for Your Money Binder

Charles Aquino

There’s only one guarantee in life—death. When you depart, will you leave your finances in turmoil or will your loved ones know exactly what to do? Rob recently wrote about the money binder he uses to compile all of his personal financial information. It’s meant for the convenience of his wife and children when he […]

Published or Updated: May 12, 2016

The Money Binder: How to Prepare Your Finances For Your Death

In many families one person handles the finances. In our case, I handle everything about our money from budgeting to investing. My wife has no interest in taking over this responsibility. And that presents a potential problem. What would my wife do should I get hit by a truck? How would she handle our investments? […]

Published or Updated: March 28, 2016

Who Should Your IRA Go To If You Die?

Pamela Buskirk, Esq.

For many people, tax-deferred retirement accounts, like 401(k)s and IRAs, are a large part of their net worth. If this is true of you, planning for distributions from these accounts after your death is a vital part of your estate planning. You may already have beneficiaries in mind. But the seemingly simple question of, “Who should […]

Published or Updated: April 3, 2016

11 Life Events That Tell You It’s Time to Get a Will

Pamela Buskirk, Esq.

No one can predict the future, and life can change in an instant.  The evening news is full of stories about car accidents, train wrecks, and plane crashes.  And, apparently, death by selfie is on the rise.  So just like the boy scouts, everyone should be prepared. Being prepared includes the estate planning process, which […]

Published or Updated: February 1, 2016

DR 144: 6 Keys to Setting Financial Priorities

Choosing between competing financial priorities is one of the hardest things to do in all of personal finance. Over the years I’ve received countless email from readers asking variations of the same thing related to financial goals. Should you pay off all of your debts before you begin investing? Should you fully fund your retirement […]

Published or Updated: January 6, 2015

Estate Planning and Your Digital Assets

If you are reading this post, and I’ll assume you are, you have digital assets. I learned this first hand while handling my step-mother’s estate. Apart from who would run this blog in my absence, I’ve never really given any thought to how my wife or children would access my online life. And then I […]

Published or Updated: October 10, 2012

How Much Car Can You Afford?

I‘ve been talking to my children about finances a lot lately. As they near high school graduation (one senior, one junior), I grow more and more concerned about their ability to handle money. And last week the talk centered around how much you should spend on a car. Why am I worried? Well, my daughter […]

Published or Updated: September 8, 2016

The Run Down on Athletic Scholarships and Tips to Receiving One

The most competitive and well known athletic awards are the NCAA scholarships. Unfortunately, only a small percentage of high school athletes are talented enough to participate at such a level. The good news is there are other national athletic organizations that provide scholarships such as the NAIA and NJCAA. If you are willing to compete […]

Published or Updated: June 12, 2013

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