by Ralph Bender, MBA, CFP® | Credit Management, Enduring Principles, Motivation, Running Money ®
“Honestly, I’m not spending any more than I make, but there’s nothing left for savings.” “Let’s take a look at where your money goes, starting with the credit cards.” “I’m never late. I’ve got them set to take the minimum payment right out of my checking account!” “uh...
by Ralph Bender, MBA, CFP® | Diversification, Economic Commentary, Market Volatility
Stock prices are down. Gas and Food prices are up. There’s a war in eastern Europe. The FED is raising rates. Another pandemic outbreak locks down much of China. On all this bad news is it any wonder that portfolio values are down? But wait a...
by Ralph Bender, MBA, CFP® | Kids and College, Running Money ®
Buggy rides are a great way for tourist to get a ride to their destination but also get information from the driver as to places of interest. This photograph was shot with a Nikon D3s camera and a Tamron 16 – 300 mm lens. This will make a beautiful photograph to...
by Ralph Bender, MBA, CFP® | Business, Enduring Principles, Retirement, Running Money ®
There must be good reasons why nearly half of American workers don’t contribute to their employers’ 401k plan. Here’s five of them: Reason #1 “I’ve got bills to pay.” Yep. Bills to pay is a good reason. Except for the...
by Ralph Bender, MBA, CFP® | Beneficiary, Client Stories, Enduring Principles, Protecting Family Money, Videos
Cynthia woke up. Everything was blurry, including the talking. She tried to move, but everything hurt too much. She laid there on her back, trying to make sense of the situation. What was happening? It took some time, but then it hit her. The last thing...
