Welcome to April, National Financial Literacy Month

Check out this site for tools for success!

Remember to budget wisely. Don’t spend more than what you have. Don’t overuse your available credit. Only put on credit what you can afford to pay back within one month. Spend money on activities worth your while and that will make you happy for more than a few days, like a hobby or an well deserved trip with your family or lessons on something new you’ve been wanting to learn!

Good luck!


Is investing in a crowdfunding project right for you? By Ana Gonzalez Ribeiro • Bankrate.com

Looking for a place to put your money in a cause you believe in? Interested in investing your money in a new business? Whatever you choose, crowdfunding is the vehicle for investment.

The hip-hop group De La Soul was recently involved in a monthlong campaign on the Kickstarter crowdfunding platform and raised more than $600,000 from its fans. The goal was to help the group resurface and finish its new album, increase marketing, produce videos and set up tours.
About $10 billion in crowdfunding transactions occurred globally in 2014.

Even the money for the “Veronica Mars” movie came from Kickstarter. The sponsors offered rewards such as copies of the movie, and for those who gave a lot more money, a role as an extra in the movie.

But before you put your money into a crowdfunding campaign, do your research and make sure you know what you are funding.

“Avoid making it an emotional decision. You want to make it a business decision. You have to know what you are getting into, unless you feel like this is money you can afford to lose and the project is something you passionately believe in,” says Peter Crosby, chief marketing officer of DreamFund.com. Make sure you are comfortable with the risk.

Read more: http://www.bankrate.com/finance/investing/is-crowdfunding-project-right-for-you-1.aspx#ixzz3jGifxSWp

7 Investing Tips for 40-Somethings

Your investment goals change as life changes.

In your 20s, you are starting a new career or looking for one. In your 30s you begin to settle down, maybe get married, have kids and buy a home.

Then come your 40s, when you are looking at retirement more closely, saving for your kids’ college and searching for ways to make your money work for you.

If you’ve reached that point, the money you are earning or already have earned must be put to work to fund future plans.

Here are a few recommendations:

Check out my article at Bankrate.com for the full list of recommendations!




Should you ask your doctor about your diet?

Most of us want to know about whether the type of food we eat is actually doing us any good. When we go to the doctor for our annual physical, we expect to learn more about our health and possibly our diet, but generally we get our blood and urine tests and we’re told whether everything is normal. The doctor won’t really give us details about what we should eat or what we are lacking in our diet, only what vitamin deficiency we have. If we want to learn more about our diet, what we should eat, what we should stop eating and get an individually based plan, we need to go to a certified nutritionist.

“Asking a doctor about your nutrition is like going to a plumber and asking him a question about electricity. “ says nutritional expert Elizabeth Somer, R.D.

Somer says 7 out of 10 Americans are overweight or obese and this is something we can control by what we eat. In general, Somer recommends people eat foods with Omega 3’s to lower the risk of heart disease. For eye health, eat lutein and zeaxanthin which is in dark greens. Eating 1 to 2 cups of spinach a day should cover your basis. Pregnant women should take multivitamins that contain folic acid, omega 3’s and DHA for brain and vision development.

Somer suggests folks eat 8 colorful servings a day of vegetables, 3 servings of 100% whole grains and 2 calcium rich milk cups.

So next time you have a question about your nutrition, search for a nutritionist around your area, they are the experts in helping you eat better.