Tag Archives: debt

Taking the first step

It’s hard to get where you’re going if you don’t know where you are. Students frequently ask me what I think is the most important step toward financial independence. The answer is simple: the most important step is finding out … Continue reading

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Get a job! Or maybe just create one.

Almost every week I counsel with college students nearing graduation, who are working with their career services department to clean up their resumes, schedule interviews and begin the formal job search process. Let’s face it – it’s a cruel world … Continue reading

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Dividends and Interest

In my last post I promised to shed some light on dividend-paying stocks and to explain the difference between interest and dividends. Simply stated, interest is what we earn on deposits when we’re putting money in banks, or the percentage … Continue reading

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Low Interest Rates are Both Good and Bad

We read in the news every day that interest rates are at an all time low. So what does that mean for the typical college student, or anyone for that matter? Interest rates are determined in large part, just like … Continue reading

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So you want to be an entrepreneur?

Last week I had the opportunity to attend the SXSW (South by Southwest) music festival in Austin, Texas, with literally thousands of live music performances, convention and trade show exhibits, and dozens of panels and guest speakers. Wow! What an … Continue reading

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Don’t get hooked on debt!

One of the so-called benefits from the economic downturn over the past few years has been that interest rates are at an all-time low. Of course, that may sound good if you can actually qualify to borrow money these days, … Continue reading

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Keeping Score

Last week I was conducting one of my Personal Finance seminars and had a number of questions from students regarding credit scores, why they are important and how they are determined. Though too complex a topic to tackle in a … Continue reading

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Find a job, or create one.

I frequently counsel with college students approaching graduation regarding their career plans and help them in their search for jobs. Of course, with 13 million Americans unemployed, the job search process can be frustrating and exhausting, and just sending out … Continue reading

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This holiday season, don’t get financially stuffed!

I don’t know about you, but after the Thanksgiving break, I didn’t think I’d need to eat again until January! Of course, we’ll be doing it all over again in just a few weeks. As you know, one of the … Continue reading

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Changes are on the way for student loans

Several of you have asked my opinion of President Obama’s recent executive order regarding student loans. Let’s take a minute to highlight the basic details. Without getting overly political, I applaud the President’s “we can’t wait approach” as he deals … Continue reading

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