March 30, 2015 rummy

Some people stop moving forward because they don’t believe that they have what it takes to accomplish the next objective. This could happen in many different ways. Some people don’t apply for promotions, for example, because they simply don’t believe that they could possibly get them. Some people don’t even think about starting a business because they don’t think that they are ‘smart enough’ to do so. Some people shy away from volunteering for special projects because they doubt whether or not they have the skills necessary to be useful.   These are all relatively common types of thoughts for…

March 25, 2015 rummy

Make every day count. Steve Jobs, the founder of Apple Computers, really did a good job of summarizing this idea when he spoke this quote into existence…  “For the past 33 years, I have looked in the mirror every morning and asked myself: ‘If today were the last day of my life, would I want to do what I am about to do today?’ And whenever the answer has been ‘No’ for too many days in a row, I know I need to change something.” -Steve Jobs    What are you going to do today? You, just like every other…

March 17, 2015 rummy

A recent Demand Institute report revealed “nearly half of all American households plan to move at some point in the future.” Seventy-five percent of those surveyed in the report cited one or more ‘location-related reasons’ for their eagerness to move. Here are the top 5 reasons: 1. Safer Neighborhood – 30% 2. Closer to Family – 27% 3. Change of Climate – 26% 4. Closer to Work – 25% 5. For a New Job – 23% While the majority of Americans (74%) will move within their home state, for the 26% planning to call a new state home, it is…

March 4, 2015 rummy

A Westchester town took top honors in a well-known real estate website’s recent 10 Best Places To Live in New York list. Movoto.com — a real estate website known for its catchy, algorithm-based top 10 lists — ranked Mamaroneck as the best town in New York state to live in. In addition, Westchester towns made up 9 of the top 10 spots on the real estate website’s list. Steve Altieri, Mamaroneck town administrator, said that Mamaroneck’s diverse population, community volunteerism, and coastal location were among the town’s finer points. “Mamaroneck is a coastal community, only 35 minutes from New York…

March 3, 2015 rummy

Don’t be surprised… we all have them. In fact, for most people, a bad day at least once per week is a common thing. It could be caused by any number of things. Maybe it’s Monday and you would rather be anywhere than at work. Maybe you don’t feel good. Maybe you just paid the bills and have barely enough money in your account to cover getting to work and back for the rest of the week. Maybe you are tired of friends who put your down and managers who make it their mission to cause you misery. Whatever the…

February 23, 2015 rummy

If you are planning on becoming a homeowner, or moving up to the home of your dreams in 2015, here are four great reasons to consider buying a home now, instead of waiting until spring. 1. Prices Will Continue to Rise The Home Price Expectation Survey polls a distinguished panel of over 100 economists, investment strategists, and housing market analysts. Their most recent report projects appreciation in home values over the next five years to be between 11.7% (most pessimistic) and 27.5% (most optimistic). The bottom in home prices has come and gone. Home values will continue to appreciate for…

February 19, 2015 rummy

With the pressures of being a mom, dad, wife, husband, employee, taxi service, care giver and all the other things we do in life, it’s hard to take a moment to enjoy a little peace, quiet and happiness.    Many of us look for big, monumental occasions to give us meaning, to provide us with happiness. It’s the birthday celebrations, the anniversary parties, the big holiday to-dos that we look forward to where we can finally say: “I’m happy”. In the end, though, those a just events and once the lights go down and the party is over, it’s time…

February 17, 2015 rummy

Many believed that when the housing market crashed, so too would the desire of American’s to own a home again. Many reports have shown that, especially among younger generations, the American Dream of homeownership is still very much alive. Julián Castro, Secretary for HUD, recently summed up what it means to own a home in a speech at the National Press Club. “Homeownership is still the cornerstone of the American Dream — a fact you can see in the lives of everyday folks. It’s a source of pride. It’s a source of wealth, providing both a nest and a nest…

February 16, 2015 rummy

  While a six-figure inheritance or high-paying job can land you in the top 1% of earners, it’s the little things — your money habits — that often make the difference between a life of prosperity and one of constant financial stress. Just ask CFP® David Blaylock, who doesn’t simply advise his clients on the merits of good money habits — he practices what he preaches. For example, “I do a periodic review of all the subscriptions I have — the ones that hit my credit cards each month,” says Blaylock. “You’d be surprised at how many subscriptions we all have…

February 12, 2015 rummy

Over the last six years, homeownership has lost some of its allure as a financial investment. As homeowners suffered through the housing bust, more and more began to question whether owning a home was truly a good way to build wealth. Every three years the Federal Reserve conducts a Survey of Consumer Finances in which they collect data across all economic and social groups. Some of the findings revealed in their report: §The average American family has a net worth of $81,200 §Of that net worth, 61.4% ($49,856) of it is in home equity §A homeowner’s net worth is over 36 times…