by Ralph Bender, MBA, CFP® | Credit Management, Financial Plan, Running Money ®
A friend recently asked “what does 18 months ‘interest free’ mean to you?” In his informal survey, half the people he questioned thought – like him – it meant no interest will be charged until the 19th month. Unfortunately, it is...
by Ralph Bender, MBA, CFP® | Market Update, Running Money ®
At the end of a long smooth flight with virtually no turbulence it can be disheartening to fly into an airport like Ontario California and be hit with “Mountain Wave Activity”. According to the FAA, this sudden turbulence occurs frequently at...
by Ralph Bender, MBA, CFP® | Market Update, Running Money ®
As this edition of Running Money® is being written, the US stock market is experiencing what I believe to be a periodic pullback, something we call a potential “buying opportunity”. These opportunities are often created by irrational or emotion-driven...
by Ralph Bender, MBA, CFP® | Economic Commentary, Market Update, Running Money ®
Most western homes are heated with forced air, and if you live in a two story, forced air home, it’s important to adjust the air registers twice a year. In the winter, close the upper story registers and open those on the bottom floor. Remember, hot air rises....
by Ralph Bender, MBA, CFP® | Financial Plan, Running Money ®
Financial Independence is no more complicated than completing a marathon. It may be hard because it requires discipline, but the process for both is really quite simple, so simple in fact, that almost anyone can achieve them. Both require a bit of planning and...
