Our 2 Cents

Save Money or Shop Local?

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Save money or shop local? Here is my case for community retailers.

Within the past year, I have read about three stories from the Atlantic Monthly concerning JC Penney’s decline.  While all different in scope (the second, brief article postured how the tea kettle featured on a billboard in California bore an abstract resemblance to Hitler), they all mentioned JC Penney’s continued slow and gradual march towards retail ruins because the ...

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Raising Financially Responsible Kids – 3 Essential Tips

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Want to raise financially responsible kids? Our first financial lessons often come from our parents.

Whether we realize it or not, kids notice how their parents spend and/or save money. So if you’re someone who is frugal, your child will likely consider that to be normal and have an early mentality set for financial frugality.

However, just because you are a financially responsible parent does not mean your kids will ...

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A 401 (What!?) Plan

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Yesterday I got a package in the mail labeled “Time Sensitive Transition Information Enclosed.” Since it was larger than a regular sized envelope and not from a bill collector, I quickly rushed to tear it open. After a cursory read with the words 401K plan, risk, diversify, vest, and blackout period popping out at me, I suddenly felt like I was in calculus with Charlie Brown’s teacher. In other words, what ...

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Royal Baby

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Royal Baby watch has now shifted into high gear. The Duchess of Cambridge (a.k.a. Kate Middleton) is due to give birth any day now, and the public is monitoring her pregnancy very closely. After all, the baby is heir to the British throne and will arguably be the most famous child of the decade.

There’s been much fanfare surrounding Will & Kate’s baby, and in this age of social media, news spreads ...

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Happy (Financial) Independence Day!

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Happy July 4th! Today, as we celebrate our nation’s independence, I’d also like to take a moment to congratulate all of our wonderful clients who have worked so hard to resolve their debt and successfully graduated from the Fresh Start Program. We admire your determination to improve your financial situation and your efforts to make that goal a reality. The Freedom Team couldn’t be happier for you, and we wish ...

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