Health Savings Accounts offer an underexplored triple benefit

Health Savings Accounts are an often misunderstood and ignored retirement savings option. They are often confused with the Flexible Spending Accounts some employers offer, which have limitations and are different from HSAs.

Easiest way to avoid becoming rich

We’ve all heard the stories about the Silicon Valley barber who became a millionaire by listening to and investing in the companies of the executives whose hair he cut. Or about the thousands of employees during the early days at Microsoft Corp. who became millionaires simply by accumulating their stock options as the company’s stock price grew and grew.

Although starting your own company still remains one of the best ways to amass a large amount of wealth, not everyone has the temperament to be an entrepreneur. And not everyone has the skills or opportunity to work for a high-flying startup. But anyone today has the ability to invest his or her savings in the newest publicly traded technology company to try to strike it rich.

Credit catastrophe continues to cost after 'voluntary repo'


Folks, you are about to read a story about a young woman named Darlene, a car, a fraud and how it changed the path of her entire life.

This tale is just one example of so many out there, wherein lives are impacted forever and no one on the outside is the wiser. Names may have been changed to protect innocent people.

Is now the right time to sell your investments?

Here’s a question I get quite frequently from clients, friends, relatives and even strangers I meet at seminars: Is now the right time to sell my investments?

When I inquire as to what prompted the question, the responses run the gamut from “I read that stocks are overpriced right now” to “The loud-talking guy on TV said so.”

Why good advice on annuities is hard to find

Annuities are commonly sold by insurance companies as a solution for retirement. Unlike stocks and bonds, they provide guaranteed income for as long as you live – at least to the extent supported by California’s Life & Health Insurance Guarantee Association.

But getting help with choosing annuities can be surprisingly difficult. Here’s why.

Attaching a value to your airline miles and points

How do you value your frequent-flier miles and hotel points and maximize their value? If I were a tech bro (which I am not), I might have called it “travel hacking.” Instead, I will call it “optimizing your digital currency.”

Hotel points and miles you have both from actual flying and from credit card spending have significant value. However, the value may not be as clear as money in a bank account. There has been a rush in the past few years to market airline and hotel-branded credit cards that reward card holders with points and miles based on every dollar of spending. While this may seem good for consumers, remember that the airlines are carrying the miles as a liability in their balance sheets. It is in their best interest to encourage customers to use up their miles.

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