1. Create a new budget for the new year by reviewing last year’s actual expenses vs. budget. In my opinion, living below your means is rule #1 in personal financial planning. Regardless how much you make, if you do not save enough for your future, it would be difficult to achieve financial independence down the road. If you use expense tracking tools such as Quicken, www.mint.com or your own Excel worksheet, now it is the time to generate your cash flow statement by category to see how well you

There is a tax bill, but there is no tax reform as it does not simplify the tax codes and will keep tax professionals very busy over the next 12 months to figure out a series of cuts and tweaks. These changes will not affect year 2017 tax returns. These are the highlights of GOP Tax Bill, a final reconciled version of the Tax Cuts and Jobs Act (TCJA) of 2017 that appears to be heading shortly to President Trump for signature:

Thanksgiving is my favorite holiday for several reasons:

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This month, we were told that 143 million Americans had key identifying information stolen through the credit reporting company Equifax.  In addition, we just learned that Equifax purchased an identification protection service called ID Watchdog on August 10, two weeks after Equifax discovered the data breach but a month before disclosing it publicly.  Law enforcement officials from about 40 states are in the process of investigating Equifax’s behavior before and after the data

Evernote is a cloud-based, information organization app.  I have been using Evernote since 2011 to capture ideas, notes, important documents, images, and track projects and my goals.  Initially I used the free basic version, but then I upgraded to the premium level ($69.99 per year now) and I find it is well worth it as I can do so much more by adding Word documents, PDF documents, and Excel files as well.  I would like to share with you a few of the ways I use it to increase my