Protections for Gift Card Holders

Protections for Gift Card Holders

If you’re like me, you have gift cards from the holidays. If you’re even more like me, you hear a ticking clock every time you look at them. What are the rules? Will the value disappear if I don’t spend it? True, you could sift through the fine print that came with...
Judith Heft & Associates Celebrates 23 Years!

Judith Heft & Associates Celebrates 23 Years!

Judith Heft & Associates is celebrating 23 years of business, and I think that’s something to shout out loud about! I was literally born to be an entrepreneur. My mom was my role model because she had started a business on her own, without any experience....

A Teachable Moment: “Rock Bottom”

Hitting “rock bottom” is a relative term; it really depends on how far you allow yourself to fall. Sometimes it can be devastating to you or your loved ones, while other times rock bottom provides a firm foundation for something better. For instance, Manhattan has a...