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Is The Best Part of Waking Up, Really Folgers In Your Cup?

Do you need a cup of coffee to get your day going, or a cup after lunch to carry you through the rest of the day?  According to Statistic Brain, 54% of Americans over the age of 18 drink coffee every day.  There’s definitely no shortage of places to purchase coffee whether it be from a grocery store, a coffee house, or a fast food joint.  Known more for their fast food, McDonald’s has recently launched a campaign to increase awareness around their coffee brand, McCafé.  It was announced that from September 16th until September 29th (National Coffee Day), consumers can get a cup of coffee during breakfast hours…all on the company’s dime!  Plus consumers are invited to share their pre-coffee moments with @McCafe #sipandtell.  If you are already a McCafé fan, you will be pleased to know that McDonald’s has announced an alliance with Kraft Foods to offer the brand in grocery stores by 2015! If you have a ...

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Five Financial Moves To Make On Your Birthday

Our birthdays are usually a day of reflection and celebration all at the same time.  It’s often the one day of the year we measure ourselves against our goals, take stock of where we are in life, and think about what may be coming in the near term horizon for our future.   You’ll often compare how you look versus your friends on places like Facebook and think about where you are in life when it comes to your money and savings.  Here are my five smart money moves tips you should be considering on each and every birthday. Insurance– When it comes to life insurance, every year you get older there is more of a chance that you will die.  Thus, the cost of life insurance will continually go up.   You may need to decide what kind of insurance to buy whether it be a 10, 20, or 30 year term insurance or maybe this is the year you should ...

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Millennials And The Housing Market

For decades, the American dream looked something like this: go to college, get a job, buy a home. More recently, that picture has changed, due to the increasing amount of student debt millennials are graduating with, the unstable job market and a shaky, but strengthening, housing market. In the second quarter of 2014, homeownership rates for people under age 35, the millennial generation, were at the lowest they’d been in decades — less than 36 percent, according to the U.S. Census Bureau’s Housing Vacancy Survey. The lack of homeownership among Millennials doesn’t affect only them: It is expected to have a greater impact on the housing market in general. What’s keeping millennials from buying? While there isn’t just one factor that is keeping the younger generation from buying, one area in particular is having a great effect on their ability to buy a home, and that’s student loan debt. Currently, the amount of debt outstanding on federal and private student loans ...

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Get Educated On One Word: RISK

You are a big spender and she’s a mattress stuffer. You like the idea of house flipping and she prefers a money market. You’ll go for the IPO and she’ll go for the blue chip stock that has been around forever. Now that you are newly married or living together, how can you ever see eye to eye on the best way to manage the family investments? Here are three quick young couple tips to deal with opposing investment styles. Get educated on the meaning of the word RISK. It’s likely nobody ever explained all the types of risk associated with investing to a young couple. Did the money mattress person realize they could be safely going backwards each year with the risk of inflation? Did the IPO investor realize the risk of losing all of their money with the latest social media stock? The young couples of today need to get informed on what risk really means. Get educated ...

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Don’t Let Your Kids Fritter Away The Money

I salute all of the parents in America.  By far, it is the toughest job that we will ever have, filled with moments of both sadness and euphoria, as Billy Joel would put it in his music.   It’s hard watching our kids make mistakes, but sometimes it is the only way they can learn.   However, there are three smart money moves scenarios that I’d like to share with you in order to help you help your children become smarter about their money. Zero to 18 years old- INSTITUTE A 50% RULE– Since we continue to move to a cash and gift card society, physical presents are something we don’t see as often anymore.   The gift card as we know it actually makes you spend more money because it doesn’t really feel like cash.   That is mentally how younger people get into problems like credit card debt, because you never actually see the money.   The 50% rule is simply this;  take ...

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Why Pay Ticketing Fees?

How many times have you been sitting home on a Thursday night trying to find things to do for the weekend on Access Atlanta (http://www.accessatlanta.com/) and say “Honey, let’s go to a concert at The Fox Theatre” or “Or guys, let’s catch the Hawks game?” There have been plenty of times that I’ve jumped on StubHub and grabbed last minute tix to Braves, Hawks games, and concerts all over Atlanta. Because of my lack of planning, and apparently everyone else’s, the past few years we’ve seen the success of companies like StubHub, CheapTickets.com, TicketMaster.com, and various others who offer consumers tickets to their favorite concerts, sporting events, and plays. As many of us know, some of these sites charge some form of underlying ticket fees that can range from $10-$25 per ticket. These companies provide a great last minute service of finding tickets; provide a venue for people who need to sell their tickets a chance to get some of ...

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The Lost Art Of The Hand Written Thank You Note

I’m really not sure why any of us get excited about going to get our mail every day.   Even though we know that ultimately the mail will deliver us three pieces of mail that are bills, five different types of non-sensical catalogues we didn’t order, and one incredible bulky Val-Pak stuffed with coupons, we still never get tired of the intrigue of opening up mail.   Even the halfhearted effort of companies that send us birthday cards unsigned still doesn’t seem to be able to break our spirit around the excitement of getting the mail.     Every once in a while when the sun shines bright and the weather is oh so perfect, it comes to our amazement that somebody today actually sends us a hand-written note and there it is; our day is made. For more than twenty years now, I have never stopped sending hand written thank you notes. Notes that have a personalized message so ...

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Uber For Seniors?

Uber for seniors?   I have no idea if this will ever be a business model, but I did have a laugh and an awakening moment the other day at one of my client’s homes over a cup of coffee.     In Fulton County (Atlanta), I was completely unaware of the amazing car services that are available to seniors to get around town.  With all of the new restaurants, shopping, and entertainment venues, even those that can’t drive or don’t have family to help them can get access to these cool services. The first of these services is the DART S Service.  It was started back in 2010 and to be eligible for the program you must: Be a Fulton County resident 55 years or older Have limited access to transportation Doesn’t own a car Permanently or temporarily cannot safely operate a vehicle Has no consistent means of transportation Has no access to services within reasonable walking distance To apply for the ...

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Smacking Gillette and Schick in the face.

Ok…  Everybody who shaves dreads reaching for new razors at the grocery store.  The prices are absolutely ridiculous.  And as someone who also shaves their head, it makes it doubly worse because of the added “real estate” I have to cover every time I shave.  I end up going through blades faster and using more of the damn things.  And the final straw?  For me it was the eternal search for the most comfortable blades with supposedly no discomfort, razor burn, or razor bumps.  I remember seeing new 3 blade razors, then 4 blade razors, then 5 blade.  All with names like Fusion®, Proglide®, Hydro®, Quattro® that promised smooth, close, comfortable shaves.   But, by the end of the week I would still find myself rejoicing in being able to give my face a break by not shaving on Saturday or Sunday… or both.  Do you want the answer?  Buy an old school Double Edged Safety Razor.  That’s right.  Shave just ...

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