Three Ways to Pay for Education
There are three ways to pay for your child’s education. Before, During or After. Ideally you save funds before your child goes to school and then you have the assets available. If your income has increased you may be able […]
Life Lesson # 1
After many years of studying personal finance I have concluded that every question has the same answer. The answer is “It depends”. Can I retire early? – It depends. What are your savings, your current age, your life expectancy, etc.? […]
What is Lagniappe?
Lagniappe is a term in Louisiana that means something extra, a freebie, much like the 13th donut in a baker’s dozen. On this website Lagniappe will be filled with fun stuff and anecdotes that will make your day. A little […]
Taxes are Everywhere
If one were to add up all the taxes you pay you might begin to wonder if there is any money left to save and to fund your goals. There are Federal and State income taxes, social security taxes and […]
The Retirement Sweet Spot
There are many decisions that need to made between the ages of 50 and 70 ½. These are the ages where lifetime events occur. 50 – Eligible for making additional retirement catch up contributions in addition to the maximum contributions. […]
Bond Laddering for All
Frequently, an investor will have cash and they would like to earn additional income without the risk of investing in equities. An effective investing strategy is to implement a bond ladder. As an example, if you have $120,000 in cash […]
The Digital Estate
A new concept with the advent of an online lifestyle is that your successor or executor is going to have a difficult time settling your affairs if all your passwords are not available and all your financial information is online. […]
Financial Statements – Not Just for Business
Financial Statements. You might think that this applies only to businesses. My experience is that sometimes an individual’s assets and income exceeds that of a business yet little attention is devoted to analyzing the reports for an individual. You need […]
Insurance, what is it good for?
Buying insurance can be a confusing purchase. However, all insurance is the same. You are protecting against a risk and you are willing to pay someone to accept the risk.
Jazz Fest
This year was the 50 year celebration of the New Orleans Jazz and Heritage Jazz Festival. It is held every year for two weeks in the last week of April and the first week of May. In addition to the […]
