Procrastination is a big enemy for investors. Take IRA contributions. You can invest $5,500 if you are under 50 ($6,500 if over) in January for your 2014 contribution. You have until April of 2015 to make this contribution. If you decide to wait those extra 15 months each year, the effects are dramatic. Over a…

Great advice from Roger Wohlner. Most of their promises are low probability outcomes at best lies at worst. Beware!!!! If approached by someone trying to convince you to use life insurance as an investment vehicle for retirement or any other purpose be very leery and ask many questions.  Make sure this is a good deal…

If you score above a 30 you need to be locked up……… http://www.businessinsider.com/20-signs-that-you-are-a-psychopath-2013-9?op=1

  College costs have exploded in the recent decades. Loans have become available to all who apply. Huge sums of money has been spent on luxury dorms and sports stadiums. Schools have hired an enormous amount of well paid administrators. All of these costs do not add up to a better education and increased employment…

It does not matter how much you have if you do not know what to do with it. http://www.businessinsider.com/lottery-winners-who-lost-everything-2013-12#

Excellent post from Learnvest.. http://www.learnvest.com/knowledge-center/10-things-you%e2%80%99re-embarrassed-to-ask-about-credit/

Here is a simple formula but like anything else it can change based on your individual circumstances 1.Multiply your salary X 10 2. Add in the dollar amount of any large future expenses (Ex: College Costs) 3. Add any debt you would like to cover (Ex: mortgage, car loan, home equity loan) 4. Subtract any…

1. Retirement Savings(401k, IRA’s, etc.) 2. Credit Card Debt(Your current credit card balances and the interest rate you pay) 3. Emergency Fund( What you have in your savings account that you do not use to pay bills.)   You have to at least have an idea what these numbers are before you begin planning your…