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Interest Rates

The Federal Reserve will be under tremendous pressure for the next few quarters to raise its benchmark lending rate faster than is has recently. Which will then have the trickle effect on higher costs on lines of credit, HELOC’s, mortgages, credit cards and down the...

Vacation plans

A couple of years ago, a couple of family members suggested going back to Disney for our vacation.  So being the dutiful husband and father, I looked into it and the costs of a Florida trip and they were terrifying! The airfare and hotel costs were over double what a...

Minimum Wage

The minimum wage continues to be a major issue to politicians as well as small business owners.   But I was reading recently that in a 2014 study from the nonpartisan Congressional Budget Office, it was found that raising the federal minimum wage to $10.10 an...

The Dreaded Budget

I have spent some time in the past quarter working with clients on their first business budget.  They are looking to grow to the next level and a budget is a good tool for the assistance for this measure.   But, drilling down a budget to its essence is really...

How do you measure success?

Over my professional life I have run into a number of people who complain that they are successful, but are not happy.  I sit and listen to them, but I have learned to keep my mouth shut.  Because they obviously are not successful.  They are successful by a measure...

Covered calls, life on the margin

Do you handle your investments or do you hand that aspect of your life to a professional?  Or do you have a professional investment advisor and still dabble with your investments?   I am in the latter category.   If you are like me, have you ever wanted to...

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