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Tips for Beginning Investors - 1) Develop a Safety Fund a) Safety Funds are usually around 3-6 months of your current expenses b) Get into the habit of borrowing from yourself rather than using a credit card 2) Build Your Credit Score a) Set up a credit card, if you haven't already, limit your use and pay off your balance each month. b) Avoid unnecessary credit checks c) Sign up for a credit monitoring service through one of your credit card companies. These help you with mo

The most recent unemployment announcement last week informed us that the rate increased to 3.7%, which was up from 3.5%. 3.7% showed us a relatively small incremental increase of this economic statistic and is still 2 percent lower than the current 10 year average (2013-YTD 2022 = 5.7%). This is important to recognize when thinking about Fed Policy and the current health of our economy. The chart above illustrates the historical unemployment rate for the months of October t

Today marked the second test of the Business Continuity Policy at Bulldog Financial Planning. The process went smoothly and took about half of a day. What does Business Continuity mean? Business continuity is the term used to describe the capability to continue operations while experiencing a business disruption(s) without compromising customer information. Businesses can be disrupted by a number things including natural disasters, internet outages, and electricity outages.

Next time you check your employer sponsored 401k or 403b balances make sure you consider the following: 1) Are you maximizing your company match contributions?-Some employers will deposit money equal to the amount that you deposit from your paycheck. Employers consider this ‘match’ to be part of your total compensation package. Maximizing your contributions means contributing at least enough to receive the full amount of company match. If possible, then this would be a way

One of the biggest concerns for retirees is maintaining your independence and lifestyle by avoiding a nursing home. The good news is that it’s possible to utilize a few helpful services while you're retired that can help you stay in your home and maintain your independence for as long as possible. 1) Home Health Services - these companies will come by your house to help with laundry, cooking meals, companionship, transportation, cleaning, taking out the trash, or help with