Holiday Tipping Guide 2019

Holiday Tipping Guide 2019

So my barista was telling me that there’s a competition to see who’s the biggest tipper. I appreciate that kind of wit in the person who controls my fate every morning. That’s why I’m going to make sure I remember her when I sit down to make my year-end holiday...
Thanksgiving Is About People

Thanksgiving Is About People

I love Thanksgiving — especially because, despite the bounty of tangible things to be grateful for, everyone seems to naturally turn their gratitude to the people in their lives. I am grateful to say that I have people in my life who make every day easier and more...
Establishing Residency in a New State

Establishing Residency in a New State

America is unique in the way it has so many different systems of government (states plus federal). This can make relocating to another state a confusing process, one which many people simply never complete in terms of paperwork. Doing that is actually a big disservice...
Cutting the Cord: Family Plans

Cutting the Cord: Family Plans

Hopefully our kids have enough consumer savvy to know what is realistic and what is too good to be true — which means that deep down, they should know the family cell phone plan will have to end one day. It’s going to be a big change for them, so I recommend doing it...
Hot Take: Don’t Save for Junior’s Tuition

Hot Take: Don’t Save for Junior’s Tuition

Are you a woman in your 40s thinking about your financial future? Do you have young kids? Are you stressing out about saving money for their college education?  Here’s a hot take: I don’t think it’s a good idea to be saving money for their college...
JUJYFRUITS – A FAMILY BUSINESS FOR 125 YEARS

JUJYFRUITS – A FAMILY BUSINESS FOR 125 YEARS

Most family businesses last for two, maybe three generations but it is rare to find one that spans five. That was the case with the “Heide Candy Company” founded in 1869 by a German immigrant, Henry Heide, Sr. Like most who came to America seeking a new...
7 Ways to Fight Financial Ignorance

7 Ways to Fight Financial Ignorance

It’s almost like society makes it really easy to spend and borrow money. Wild conspiracy theories aside, people can get caught up in the offers, the complicated interest schemes, and terms and conditions which will never be read. But what happens when the credit...
Judith Heft & Associates, Executor Assistants

Judith Heft & Associates, Executor Assistants

When someone is named executor of a will, it comes with a lot of responsibility.  First, they must put the interests of the estate before their own interests — this is called acting as a fiduciary. If any litigation takes place (like a will contest), it’s the...
The 50/30/20 Rule for Financial Success

The 50/30/20 Rule for Financial Success

If you’re starting out and trying to save money, you’ve got to create a budget — or as I prefer to say, a spending plan. A helpful rule of thumb for making that spending plan is the 50/30/20 rule.  50% of your income should go to your fixed expenses. The fixed...
Set a Reminder: Update Your Will!

Set a Reminder: Update Your Will!

The number one reason I hear people say that they don’t have a will is because they can’t agree on who should be the guardian(s) of their young children. Regardless of the reason, people without wills are at risk of having their estate divided according to...