This morning 130 million Americans began their day in the same way—drinking their first cup of coffee.¹ Few, if any, took a moment during this morning ritual to contemplate or marvel the complex journey that brought their coffee from farm to kitchen table.Coffee is the U.S.’s largest food import.² It wields an economic impact that […]
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‘Lifestyle’ Category
“This generation got no destination to hold We are volunteers of America” “Volunteers” by Jefferson Airplane¹ Those of a certain age will recall these Jefferson Airplane lyrics as a call to action, though for a different period and place. Even with the passage of time and through a lifetime of changes, the desire of baby […]
The average credit card balance in March 2014 was $15,252, down from its peak of $19,000 in early 2009.¹ With the average credit card annual percentage rate sitting at 14.95%, it represents an expensive way to fund spending.²Which leads many individuals to ask, “Does it make sense to borrow from my 401(k) to pay off […]
College marks a great milestone in a child’s life. It may be the first time a child will live away from home, and for parents to be without their child. Dropping off your son or daughter is loaded with emotions, so here are a few tips for a smoother experience. Accept that the Parent-Child Dynamic […]
The cost of a membership to your local fitness center can be pricey, especially if you are looking for a modern facility with a wide selection of the most current equipment. But there are ways to improve your physical fitness without denting your fiscal fitness. [images style=”1″ image=”http%3A%2F%2Frebelfinancialllc.com%2Fwp-content%2Fuploads%2FWoman-on-Stairmaster-300×200.jpg” width=”300″ align=”right” top_margin=”40″ bottom_margin=”40″ left_margin=”40″ right_margin=”40″ alt_text=”Woman%20in%20Gym” […]
Say so-long to the days of “empty nesters,” when parents would make life changes once their children had moved out and moved on. It is more likely that parents today are dealing with a “full nest.” A study in 2010 by researchers at Columbia University using the U.S. Current Population Survey found that 52.8% of […]
As Baby Boomers grow older — and presumably wiser about economic matters — more are finding themselves in a position of caretaker for elderly parents. Raising the topic of money with parents can be difficult. But with the right choice of words, timing, and tone, you can open the door to a meaningful conversation. Select […]
When selecting a fixed–rate mortgage, a prospective borrower has to determine how many years to finance to loan. Some financial institutions offer 10- and 20-year fixed–rate mortgages as well as 15- and 30-year fixed-rate home loans. For the purpose of comparison, this worksheet takes a look at 15-year and 30-year fixed-rate loans. Tip: Payment Practices. […]
In a recent survey, 65% of current workers stated they plan to work for pay after retiring.¹ And that possibility raises an interesting question: How will working affect Social Security benefits? To answer that question requires an understanding of three key concepts: full-retirement age, the earnings test, and taxable benefits. Full Retirement Age Most workers […]
Some of us share a common experience. You’re driving along when a police cruiser pulls up behind you with its lights flashing. You pull over, the officer gets out, and your heart drops. “Are you aware the registration on your car has expired?” You’ve experienced one of the costs of procrastination. Procrastination can cause missed […]