Budgeting for Halloween Part 1 With so many of us on tight budgets, the very thought of Halloween can send shivers thru our wallets. The average family will spend over $100 on Halloween festivities. Before you begin planning your Halloween gala, you must begin by developing a budget plan. Recall what you spent last year and commit to reducing that amount by 15% or more. No need to fear my frugal friend, with the following list ... Read More

Social Security Fact vs. Fiction Part 2 Fact: Most of us will not be able to collect full Social Security benefits upon turning 65 years of age. For those born between 1943 thru 1959 you will not be eligible for full benefits until age 66. Everyone born from 1960 on will have to wait until age 67 in order to collect full Social Security benefits. Fact: For those born prior to 1960 should you ... Read More

Social Security Fact vs. Fiction Part 1 Social Security concerns are a very real concern among Americans today. We know that the “trust fund” exists, what we are unsure of is will the money be available for us when we reach retirement age. Obviously, this will have direct impact on our standard of living during our golden years. Understandably, the concern over money is of great importance; however, there are a few other things to take ... Read More