The housing market has continued to struggle and it will be a long time before we see a significant recovery.  This has caused many families to be underwater enough on their mortgage that many are considering or have already gone into foreclosure or short sale.  There is a lot of bad information our there and [...]

I’ve always believed the foundation to a happy and healthy life revolves around three things.  Picture a triangle with three equal sides.  Each of the sides represent Money, Relationships and Health. When any of those three is out of whack, the triangle is no longer equal and it loses its symmetrical, ballanced shape.  This is [...]

2010 is an interesting year for Roth IRA’s because there are changes in the law that may really benefit you. Being that it’s fall, this is a good time of year to evaluate if a Roth IRA conversion is good option. You may be able to take advantage of the new laws or perhaps even [...]

Previously we calculated how much we are really worth per hour and how it is far less than we thought.  Now I hope to pull it all together into a usable concept.  Believe it or not, figuring your true hourly wage is all about debt.  Doing this exercise will help you get, and stay out [...]