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Appreciate Finance Blog

Personal Finance in the time of Coronavirus

Personal Finance in the time of Coronavirus

You may feel somewhat helpless amongst the tide of unsettling health news and the volatile nature of the financial markets but there may be things you can do to improve your finances, even at this difficult time. Usually taking action helps people feel more in control...

Do you need a buffer for your spending?

Do you need a buffer for your spending?

Why do we all need a buffer for our spending? Because most of us spend more than we think we do. Click here to read more. Find out what a 3% buffer is, and why you would need one... Or you could try watching this video about joy and buying and ask, "does it spark...

Increased Cyber Fraud Activity Amid COVID-19

Increased Cyber Fraud Activity Amid COVID-19

In this time of great difficulty, unfortunately some people are trying to take advantage of vulnerabilities.  Schwab has issued the following statement: Schwab advice to help defend against increased cyber fraud activity amid COVID-19 fears As the public's demand for...

What to do when your kids turn 18 for healthcare decisions

What to do when your kids turn 18 for healthcare decisions

When kids turn 18 parents can no longer make healthcare decisions for them without an advanced healthcare directive. To order one for California (note each state may have different  requirements), Brigitte Binkert of Binkert Law suggests using one from the California...

Here’s Why You Should Never Shorten 2020 To 20 On Legal Documents

Here’s Why You Should Never Shorten 2020 To 20 On Legal Documents

You might want to pay attention to this important cybersecurity tip for 2020. According to the article by Kate O'Flaherty at Forbes...When you sign and date legal documents this year, it would make sense to shorten 2020 to 20, wouldn’t it? Apparently not, according to...

The Australian Miracle Economy

The Australian Miracle Economy

Australia offers us the story of their miracle economy that has not had a recession in 28 years. What are they doing right? Are we crazy to be worried about our 10 year run of good luck in the US economy? It sounds like they also are waiting for the other shoe to...

Investing and diversification

Investing and diversification

To learn more about investing, including the importance of diversification, sustainability, the current economy and what might be ahead for us, watch this presentation by Gemmer Investments. (Start at the 3 minute mark to skip intro remarks) Comparing the S&P vs....

Estate Planning

Estate Planning

If you haven't taken the time for estate planning yet, here are some links to resources so you can create a will online. It's often better to sit down with an attorney but if you haven't been able to get to it yet, this will allow you to have something prepared in the...

Why we need a guide and coach in life

Why we need a guide and coach in life

This 51 second motivational talk by Les Brown was suggested by a financial podcast as an explanation of why many of us need a guide and coach in life, and with money, a financial advisor who can see potential in us that we cannot see. Skip the ads and watch the first...