Author - Michael Rivas

1
Budgeting for Coffee Sucks, Try This Instead
2
In Times of Change, Focus on Your Financial Plan
3
Ready to invest in real estate? Take a close look at your margins
4
Generation X? I feel your pain!

Budgeting for Coffee Sucks, Try This Instead

Trying to cut back on your spending gets tedious when you focus on minute details. Yes, it’s important to track every dollar — but to feel anxious about spending on small purchases that you value because you’re trying to save more and spend less? That can quickly lead to budget burnout.

Preparing for and responsibly purchasing big-ticket items (from a laptop to a car to a house) is much more important than counting every last penny. Think about it. Does it make sense to stress over buying a coffee or spending an extra $1.99 to add guacamole but to have

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In Times of Change, Focus on Your Financial Plan

No one can guarantee when the markets will go up or down. Lots of talking heads and so-called “experts” like to claim they know when factors like news items or current events will impact how the stock market behaves, but it’s all guesswork.

It’s extremely easy to get caught up in a 24/7 news cycle that produces headlines and predictions meant to invoke emotional reactions in viewers. But the key to long-term financial success is tuning out the noise and understanding that ups and downs happen.

We know markets can be volatile. That’s part of the price paid to invest

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Ready to invest in real estate? Take a close look at your margins

We’ve all heard the mantra: “Location, location, location!” When buying investment property, a great location is often considered the #1 rule for success. But as we’ve all seen in that late night, drag-out game of Monopoly, location certainly isn’t the only factor at play.

A decade ago, we all learned more than we wanted to know about subprime mortgages. People were investing money they didn’t have using loans they should never have been given. The stage was set for the perfect storm. Home prices started falling, refinancing became difficult (especially with historically high debt-income ratios), and those previously attractive adjustable-rate …

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Generation X? I feel your pain!

Generation X has some problems—and not just their own. Perhaps the biggest one of all is that this group has everyone else’s problems too! On one hand, they’re dealing with aging parents. On the other hand, they have young kids, college-aged kids, or adult kids who are moving back home or need financial support because they can’t find a decent job post-college. And all this is happening right when stressed-out GenXers are in mid-career and trying desperately to build their own net worth.

If you’re in your late 30s, 40s, or early 50s, you know the scenario well. Your career …

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