An Eight Year Car Loan? Don’t Do It!

February 10, 2017 9:41 am

A while ago I came across a headline that read “Eight Year Car Loans”. What? Ok, I thought I’ve seen it all when it comes to getting someone to buy a car, but this one seemed almost impossible. Is it part of a fake news site, or a scam? I did some digging: sure enough, […]

Debit or Credit? Which to Use and When?

December 15, 2016 1:41 pm

Debit or Credit? It’s a question we get almost every day, whether it be in person at the checkout or online and it’s a question you should take seriously. Why? My debit and credit card both have the Visa/MasterCard logo. What’s the big difference? There is actually a big difference, but for this article, I’m […]

Are you 50 or older? Time to CATCH UP on Your Retirement Accounts

July 29, 2016 10:44 am

I’m creeping close to the big 5-0. Many say it’s one of the milestone moments and if you’re lucky it is sometimes accompanied by a grander than usual birthday celebration.  Yes, you also get the often joked about AARP card. Sounds exciting right? Well, I found something even better to mark my 50th birthday. Are […]

Snowbirds: Try Renting Before You Buy

May 23, 2016 11:38 am

As a Financial Advisor in New England for more than 10 years, I’ve met with quite a few clients looking for advice on a second home to escape our most unpopular season: winter. Usually the conversation starts with my client telling me of the deals they can find on buying a vacation home in sunny […]

Per Capita or Per Stirpes with your IRA?

February 16, 2016 3:59 pm

When you selected your beneficiaries on your investment accounts, do you know if you chose “per capita” or “per stirpes”? This is quite important to review now, because you want to make sure you understand how your money is distributed once you’re gone. There is no wrong or right way; there is only your way. […]

What class are you?

May 29, 2015 12:00 am

I’m not talking about your airline ticket or your social hierarchy. I’m referring to your Mutual Fund Share class. Yes, they have a class too. Today we’ll stick to three of the more popular fund classes: A, B and C shares. All of them…

Three rates of return you should know: IRR, SRR and TWR

March 27, 2015 12:00 am

For obvious reasons, everyone wants to know their rate of return—and rightfully so. Regardless of whether it’s a “do it yourself” investor or an experienced mutual fund manager, who doesn’t want to know how well they&rsquo…

Your FICO credit score: What is it and How Do I Improve It?

January 19, 2015 12:00 am

Right after our Shred-it event last March, I wrote a blog about cleaning up your personal finances. One of the items I listed was checking your credit report once a year. This time I would like to explain in more detail your FICO credit score and how i…