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Financial

Healthy pessimism?

Recently, my family and I saw the Disney movie, “Tomorrowland.”

Grandparents can help pay for college

Next month my son will graduate from high school and move on to the University of Arizona. Go Cats! My wife is busy getting his senior pictures taken, the announcements put together, and party plans drafted.

Beating Uncle Sam with tax-free growth

As a CPA, I have spent the last three decades helping people to pay the least amount of taxes legally allowed by law.

Switching Gears in Retirement

In searching for investment options, would you rather have—high return or low return? High risk or low risk? Liquid or illiquid?

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Five New Year’s Resolutions for Your Wallet

“I resolve that I will eat better and exercise more.” The diet and exercise resolution is one I make—and unfortunately break—every year.

Bear Market Report

I bet you remember the following line: “Not just a headache...but an Excedrin headache.” Remember that ad campaign? According to the commercial, Excedrin was reserved for the worst type of headache in the world. Grantor trusts—sometimes called living trusts—are popular documents that many retirees set up to avoid Excedrin headaches for their heirs.

A 70 Percent Chance of Showers

With 296 days of sunshine in Phoenix (and Tucson slightly behind with 284 days, according to Current Results), here in sunny Arizona we don’t worry much about rainy days. However, if you read “70 percent chance of showers tomorrow,” what would you do? Postpone your golf game? Cancel your picnic? Grab an umbrella?

Easier mortgage processes, positive attitudes inspire renters to buy

Owning a home has been an integral element of the American Dream for generations. But is ownership right for you? And if it is, how do you know if it’s the right time in your life to purchase a home?

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The Over-55 Graduation Exercises

Question: I’m retiring soon—Yay! How do I replace my paycheck?

How to be the Buyer Every Seller Wants to Deal with

For years, the real estate market has been a buyer’s world, with ample inventory, fewer qualified buyers, and highly motivated (desperate) sellers. This spring, some signs are pointing to a shift back toward a seller’s market. If you’re shopping for a home this spring and summer, chances are you’ll face increased competition from other buyers.

The best free personal finance software programs online

There are numerous efficient online personal finance software options to track, plan and monitor your income and spending.

The pros and cons of the lump sum pension

A lump sum pension choice gives you more flexibility, but also comes with more risk than receiving monthly retirement checks for life.

Retirees want to find states that do not tax Social Security benefits

Many retirees consider moving to a different state when they retire so their Social Security income is not included in state income taxation. Understanding which states tax this income can be important to older adults.

The pros and cons of index investing

Index fund investing is one of the safest forms of investment you can make. Like any investment strategy, there are pros and cons to be considered.

Important 5 questions for older job applicants to ask a employer

Older workers need not fear salary negotiations because they have valuable experience and qualifications to sell to a potential employer. Start planning in advance with 5 questions to ask.