So You Want to Buy a Car?

So You Want to Buy a Car?

The single easiest way to save money when you buy a car is to buy a used car instead of a new car. Think about it.  When you buy a new car, it literally depreciates thousands of dollars the moment you drive off the lot. From a financial standpoint, since it will be...
Smart Refinancing of Your Home

Smart Refinancing of Your Home

For many people, the thought of refinancing their home turns their stomach. Having an appraiser in to check your HVAC system, etc., always adds a bit of uncertainty and the potential for repair costs. What many people don’t realize, though, is that you really can save...
Just Enough Support for Invisible Disabilities

Just Enough Support for Invisible Disabilities

Everyone has “blind spots”.  Some have more than others. Our loved ones who cherish their independence despite having invisible disabilities sometimes need just enough support to shed light on their blind spots. In this way, they can continue to live independently but...
Expect Paperwork if You’re Expecting

Expect Paperwork if You’re Expecting

Babies have no idea how much paperwork goes into bringing them home. Their little brains are too busy growing to care about prior authorizations, referrals, and deductibles — let alone Social Security cards, life insurance, and 529 plans.  While their new humans roll...
New Life, New Goals…New Team!

New Life, New Goals…New Team!

Today my focus is on people going through troubled marriages or who are already somewhere in the divorce process.  Judith Heft & Associates is 100% owned and operated by women.  Plus, we’ve all been divorced. Our experiences were different, and we’re...
21st Century Tipping

21st Century Tipping

At a time of year when everyone is focused on end-of-year tipping, it occurred to me that day-to-day tipping has changed a lot in recent years. I was surprised to see that Uber/Lyft/Taxi drivers get tipped the same percentage, and relieved to see $1 per drink is still...