Our Commentary

  The recently released EZLaw Wills & Estate Planning survey indicated that one-third of parents with minor children didn’t believe they needed a will. Their assumption was that all assets would automatically go to the surviving spouse. Scary! First, these folks seem to miss the possibility that both parents could be killed in a common accident. This is what […]

Gold. For centuries the yellow metal that runs in veins along rock walls has sparked the imagination of men seeking to strike it rich. Even today, investing in gold remains one of the hottest topics of investors worldwide. Gold recently eclipsed $1800 per ounce for the first time as part of its remarkable run over the past few […]

  As thousands of students head for college, many for the first time, many others for their last year, what, as parents, do we hope they learn? Obviously, we want them to get a good education, one that will allow them to get a good paying job with opportunities for personal and financial growth. That’s why the […]

This past week I was speaking before a group of senior citizens and I asked for a show of hands on who was frustrated by the way our president and congressional representatives were running our country. Virtually all hands shot up. This sentiment appears to be a dominant opinion of Americans from coast to coast. If we are […]

  It could have been mistaken for a weekday game show…men and women running around in a frenzy making last minute decisions acting like children. Unfortunately, it was our congressional representatives trying to hammer out a compromise deal for raising the federal debt ceiling. This past week, President Obama signed a bill that allowed America to […]

It’s official. The State of Alabama officially reneged on its promise to college-bound students this week when the judge approved a class-action lawsuit settlement that allowed the state to forever ‘freeze’ future tuition payments based on 2010 tuition fees.  One Birmingham News reader, Susan, wrote me in disgust saying that she purchased the five-year payment contract for […]

  Our elected representatives have been playing a dangerous game with our economy, our standing in the world and the financial well-being of every American. Our country’s debt stands at $14.3 trillion which is the equivalent of $129,000 for every taxpayer in America. Our debt has reached its maximum legal limit unless Congress votes to raise the […]

  At the forefront of political news today is the congressional debate over raising our $14.3 trillion debt ceiling…the amount of money we owe other creditors such as China and our Social Security System. Republicans want spending cuts with no tax increases while the Democrats, lead by President Obama, insist tax increases on ‘millionaires and billionaires’ […]

  I was counseling a couple in their thirties regarding the management of their money. Specifically, they had a running conflict over how the money was spent. Their case facts were pretty typical of young (and older) couples. In this case they have two children and the husband is the primary earner because they decided that it was […]

  I recently had a conversation with an old friend who has been out of work for over a year and is desperate to get a job. My first question was, “What are you doing today?” His response was, “Basically nothing.”  Imbedded in his response was a basic flaw in his job hunt strategy. If you don’t have […]