Blog

Time to Create a Budget

by John Augustin on Aug 11, 2021

Savings

At the end of the month, do you often find yourself with a lot less money than you expected?  Do you have a hard time determining exactly what you spent your money on? Do you feel that you should have more to show for your hard work than you currently do? Are you and your spouse or partner always fighting about money?

If any of these are true, you may want to consider creating a budget.

Time to Save

by John Augustin on Aug 9, 2021

Savings

While some of us are spenders, others savers, most of us fall somewhere in between.  Can you account for where your cash goes, or do you frequently find yourself wondering exactly where your money goes each month? The good news is that there are a lot of things you can do to save money starting today.

Here are just a few of them.

All Donations Are Not Created Equal

by John Augustin on Aug 4, 2021

Finance

Giving money to philanthropic causes is important to many of us. Year end giving in particular is popular with both donors and charitable organizations. The most common way to give money for most people is to simply write a check or put a donation on a credit card. The charity then typically sends us a receipt for our donation, and everyone is happy.

Not so fast.

How to Save on Health Care Costs

by John Augustin on Aug 2, 2021

Health

The average American spends more than $10,000 per person annually on healthcare expenses, including premiums, deductibles and coinsurance amounts.  For a large family, that amount can quickly become unsustainable. In the past, it was common for employers to absorb the majority of these costs, leaving the employee responsible for only a small portion.  But as health insurance premiums continue to rise, more employers are placing more of the responsibility of meeting these costs with their employees, with employees feeling the pinch in their take-home pay.

Time to Break That Shopping Habit!

by John Augustin on Jul 31, 2021

Finance, Lifestyle, Savings

It seems like we’ve been conditioned to shop since birth.  While an occasional splurge is nothing to get worked up about, we’ve become incredibly wasteful in the process.  Landfills from coast to coast are full of our discarded belongings such as furniture, equipment, appliances, and electronic items like computers and cellphones.  We no longer repair an item, we simply replace it. Some of our spending habits can certainly be tied to the incessant marketing and advertising that target consumers on a daily basis.

Investing in Tangible Assets

by John Augustin on Jul 21, 2021

Investments, Property, Real Estate

Remember Beanie Babies?  In the late 1990’s, Beanie Baby mania swept the country, with amateur collectors searching frantically at every card shop and kids store to find the latest beanie. Many turned to online stores and eBay, looking for the Beanie Baby that would make them enough money to retire or send their kids to college. Ty, Inc., makers of Beanie Babies helped to fuel this craze by ‘retiring’ certain Beanie Babies, making them unavailable, and in essence, increasing their value.  The Beanie Baby craze lasted through 1999, abruptly ending when Ty Inc.