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...
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...
Achieve Your Goal with a Savings Account

Achieve Your Goal with a Savings Account

Everyone knows that savings accounts are great ways for people to store extra money and save for goals. But did you know there are many reasons to have multiple savings accounts?  Having multiple accounts avoids having that large, lump-sum balance in checking, which...
This Year Don’t Get Wrapped Up In Debt

This Year Don’t Get Wrapped Up In Debt

I know it seems premature to talk about holiday spending.  However, if you’re savvy, like we are at Judith Heft & Associates, you need to think about your spending plan now. Every year we’re confronted with enticing Black Friday deals earlier and earlier. ...