Financial Literacy Conversations

04/24/2026

Consider buying an older used car

Cars are lasting longer and longer Even though loan rates are creeping down, newer cars are NOT cheap. How much is your monthly payment? $400, $500, $600 or more? And how long is the term of your car loan? Five years, Six Years or longer? Think what you could do with that money if you weren't throwing it at the car loan every month, right?...

Cars are lasting longer and longer Even though loan rates are creeping down, newer cars are NOT cheap. How much is your monthly payment? $400, $500, $600 or more? And how long is the term of your c…

04/23/2026

Book a Free Financial Literacy Workshop

10 steps to Build a Winning Budget Understanding Your Credit Score How to Get Out & Stay Out of DEBT Building an Emergency Fund Financial Protection for Families

10 steps to Build a Winning Budget Understanding Your Credit Score How to Get Out & Stay Out of DEBT Building an Emergency Fund Financial Protection for Families

10/29/2025

A great credit score is the key to your successful financial future, right? Sites like CreditKarma help you improve your score, but today, let's take a deep dive into credit scores and their impact on you. Basically a credit score is a record of how well you have repaid debts back to who you owed the money to over the term of the loan or line....

A great credit score is the key to your successful financial future, right? Sites like CreditKarma help you improve your score, but today, let’s take a deep dive into credit scores and their …

10/22/2025

We are seeing a lot of adds disparaging home equity loans and lines of credit, saying HEIS are great, and better than loans and lines. So here we go: Loans and lines of credit, a lien is put on your home until the line is closed or the loan is repaid. You pay the principal back over time, with interest to the bank or credit union or mortgage company....

We are seeing a lot of adds disparaging home equity loans and lines of credit, saying HEIS are great, and better than loans and lines. So here we go:Loans and lines of credit, a lien is put on your…

02/23/2025

I would love to help you right your financial ship. a long term Dave Ramsey fan, and a 30+year banking career, just click my link below for an exploratory meeting:

I would love to help you right your financial ship. a long term Dave Ramsey fan, and a 30+year banking career, just click my link below for an exploratory meeting:

02/07/2025

The owners of for-profit banks and other financial institutions know the power of compound interest. Just look at some of their headquarter buildings: Charles Schwab HQ Legg Mason (duh!) Bank of America HQ They didn’t build these huge buildings with just revenue (although their revenues did have a hand in the process), they built it with the funds they got from compound interest....

The owners of for-profit banks and other financial institutions know the power of compound interest.  Just look at some of their headquarter buildings: Charles Schwab HQ Legg Mason (duh!) Bank…

01/25/2025

After a bit of a hiatus, Financial Literacy Conversations are back! This first article will supply you information on how to build a budget and tricks you can use to keep your budget on track. Don’t be like the US government, that overspends their budget every year! The last year the US government overspent by $1,830,000,000.00 That is 1.83 Trillion Dollars!...

After a bit of a hiatus, Financial Literacy Conversations are back!   This first article will supply you information on how to build a budget and tricks you can use to keep your budget on…

06/09/2024

"Buy term and invest the rest" This is an old piece of advice. Many do the first part, but not the second. And at the end of the term, you are left with nothing, or a highly expensive new term policy. But, adding a Return of Premium rider to a term policy gives you a big payment at the end of the term. Use a bit of that big payment to go out and celebrate your life!

05/31/2024

If you can, please boycott and do not buy the following meat brands. They are ALL Chinese owned:

Smithfield, Eckrich, Nathan's, Farmer John, Farmland, Armour, Carando, Cook's Ham, Healthy Ones, John Morrell, Kretchmar and Margherita.

If we all do this, less of our money will go to the Chinese Military. Please tell your local stores to stop carrying these brands too. Let's hurt them where it hurts, in their pocketbook!

11/23/2023

Steak, asparagus and a dry red wine. Have a happy Thanksgiving to you and yours!

11/23/2023

Happy Thanksgiving!!!