https://www.gogulfwinds.com/blog/article/how-to-manage-a-joint-checking-accountMoney is one of the biggest points of contention for many couples. This is particularly true when money is tight—both people are rarely on the same page, often disagreeing about what expenses are essential and the best way to save money.
That is, if both of you are trying to save. Financial solvency as a couple depends on both partners working together to achieve a common goal, and when one person isn’t on board, the whole thing falls apart.More
“If only someone had told me…” is not something you ever want to hear your grandchildren say. With so much that you want to share, it can seem overwhelming trying to figure out where to start, so we’ve boiled it down to 5 smart tips you can share with your grandkids.More
They’re called the golden years for a reason. All that hard work comes with a reward, and now is your time to shine. We all deserve some well-earned rest, but your retirement is as much a new beginning as it is an end to a previous chapter. Here are a few entries to mark on your to-do list now that you have time in abundance.More
Insurance is a necessity for just about everyone.
From the legally-required car insurance to the highly-recommended home and life insurance, it’s great to have a safety net when life’s difficulties arise. The problem is, the costs of these insurance plans can make them a real hassle to maintain. Here are few tips for lessening the cost burden of insurance while still keeping yourself protected.More
Let’s face it: College isn’t for everyone. Sure, college can be a great way to expand your horizons and make yourself more desirable in the job market, but these benefits come at a cost—according to Forbes, the average student in 2016 had $37,172 in student loan debt. On top of that, student loan debt has become the second highest category of debt in the country, equaling $1.3 trillion in 2017.More
We get it—it’s not easy to escape from debt.
Life is unpredictable. Unexpected costs come up and throw a wrench into the financial equation. We hear plenty of reasons why people have trouble paying their debts here in Florida, but we’re here to tell you that no matter the problem, there’s a solution—if you know where to look.More
Future investment goals often lead people to seek savings help from a professional financial planner or advisor. If it’s time to plan for retirement, you’re ready for a down payment on a home, or you’re starting a family, it doesn’t hurt to have a financial expert on your side. That said, not all financial planners are created equal, and it’s your job to find the advisor that’s right for you.More
With each new school year comes the inevitable rush that retail outlets love and many parents love to hate: Back to school shopping!
Of course, your kids will need supplies, like pencils, notebooks, folders, and the like, but didn’t you just get them a new backpack last year? And are those shoes worn out already?
Yes, unfortunately, back to school expenses often add up to a pretty hefty price tag by the time the kiddos head back to the classroom. Keep these tips in mind to save during your yearly shop-a-thon:More
As the average retirement age continues to climb, it can feel like the economy has really put the ‘tire’ in ‘retirement.’ Although it isn’t always by choice, working later in life provides tangible benefits for a comfortable retirement that help to explain why the average retirement age has increased to 70.More
We’ve spoken in previous articles about how budget management is often about sacrifice. You have to give something up to reap the benefits of financial security. But if you’re clever, you don’t always have to sacrifice something positive to enjoy the benefits of having more money—particularly if you have a family backing you up!More
As we know, financial independence doesn’t happen overnight. Debts take a long time to pay off, and investments don’t yield high returns until they’ve had time to mature. Because of this, the earlier you start to take control of your financial situation, the better off you’ll be.More
Do you have $1,000 set aside for emergencies? If you already do, you could probably use another $1,000 in that account. Experts recommend keeping at least three months expenses in a reliable, liquid account – though even an extra $1,000 can be a life-saver. But finding $1,000 to save isn’t always easy. That’s why we’ve put together this 4-step plan on how to save $1,000 in 10 months.More
Largely thanks to the internet and social media, new trends in philanthropy have emerged as we share information faster and as part of a more widespread audience than ever before. There has never been a shortage of ways to give back, from volunteering to providing monetary support, but it’s interesting to see how these giving habits have evolved with each generation. Whatever generation you belong to, your financial advisor can offer guidance on giving strategies that are tax-conscious and make the most of your hard-earned dollars, while allowing you to exercise your generosity on behalf of causes that are meaningful to you.More