by Ralph Bender, MBA, CFP® | Client Stories, Credit Management, Motivation, Videos
Damien comes from a troubled family. Issues cascade from one generation to the next, like a series of waterfalls, crashing on the rocks below, then raging through the rapids, until cascading over the next cliff. But Damien’s paddling hard against the current to get...
by Ralph Bender, MBA, CFP® | Client Stories, Credit Management, Financial Plan, Videos
Nate and Sarah bought the new house, well a property, really. It’s got beautifully landscaped yards; Jacarandas, Mimosas, Canna Lilies, and many other varieties which take shade from a 60’ tall Italian stone pine tree where falcons, owls and hawks regularly perch. But...
by Ralph Bender, MBA, CFP® | Client Stories, Credit Management, Enduring Principles, Financial Plan, Videos
Nate and Sarah just bought the house of their dreams. Five years they planned for making this move. Their kids grew up in the old house, it worked just fine, but Nate didn’t want a tract home as his forever home. So, they started looking at places, even before they...
by Ralph Bender, MBA, CFP® | Client Stories, Credit Management, Financial Plan, Motivation, Protecting Family Money, Videos
Charlie wasn’t always unusual. She used to keep up with her friends’ spending habits, and ultimately, lived week-to-week, paycheck-to-paycheck. Then a crisis she was not prepared for hit her family. It surprised her when she realized how much she needed mom and dad....
by Ralph Bender, MBA, CFP® | Credit Management, Enduring Principles, Financial Plan, Fitness, Health, Running Money ®, RunninRalph
The simple formula for getting faster is to lose weight and workout according to a training plan. Fifteen unnecessary pounds entering a marathon slows the runner as much as thirty seconds per mile, adding thirteen minutes to the finishing time. The simple formula for...
by Ralph Bender, MBA, CFP® | Credit Management, Enduring Principles, Financial Plan, Running Money ®
I am in the process of trying to improve my credit score and was wondering if you had ways I could do that… The best way to improve a credit score is to pay off the debts, but there are a number of other issues, too. Credit scores attempt to indicate how a...
