Is Social Security Dead? Maybe.

Is Social Security Dead? Maybe.

Social Security has always been a hot topic politically. There are almost no circumstances in which an elected official would ever even imply that Social Security should be cut. But this is 2020. Starting today, September 1st — two months before Election Day —...
Spending Plans Are for Everyone

Spending Plans Are for Everyone

Have you ever partially charged your phone, but you got a call — and then partially charged it again when another call comes through — etc., etc.? It makes you wonder about the battery, even though there is no real problem. Likewise, sometimes people think their...
Help for a Marriage in Trouble

Help for a Marriage in Trouble

At Judith Heft & Associates, we do so many unusual projects for our clients!  It’s actually de rigeur. Right now we’re working on a project with a couple who’ve been having some marital problems.  These problems are based on finances.  There have been...
Chipping Away at Your Fixed Expenses

Chipping Away at Your Fixed Expenses

Life has been different for five months,  Some people are just beginning to feel the economic impact.  An entrepreneur friend of mine has seen her revenue plummet.  What little is left gets consumed by rent, electricity, insurance premiums — in other words, fixed...
Separating Yourself from Temptation

Separating Yourself from Temptation

I’ve always been creative thinking of ways to spend less and save more. As a young adult, I developed what I thought was a pretty neat method for making my credit cards impossible to use: I would freeze them in a giant block of ice. That way, I would have to wallow in...
A Financial Concierge Is…

A Financial Concierge Is…

What is a financial concierge?  The main thing that we do is personal bookkeeping and bill pay for our clients — but we also take on a lot of other projects that have to do with daily money management. For example, we’ve recently started a project that is part money...
It’s Not About Me

It’s Not About Me

I was listening to someone I know on Facebook Live the other day. One thing she said struck me in particular: The seeds of prejudice are planted without words, but by the actions we take. The woman who called 911 on a Black man in Central Park was very careful with...
Facebook “Free Money” Scam

Facebook “Free Money” Scam

I must have felt a chill because I sensed pure evil — or else it was cold in the house. Either way, I was the target of a scam. It started when I received a message from someone I knew before elementary school but wasn’t very active on Facebook.    “Oh, hi, how are...