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Evaluating The Pros And Cons Of Your Employee Stock Purchase Program
Many publicly traded companies offer employees the chance to purchase discounted company stock at regular intervals through an Employee Stock Purchase Program (ESPP). While some of your coworkers may be telling you this is a no-brainer and amounts to free money, others may be cautious and opt not to participate in the program at all. This is how to weigh the benefits and drawbacks of the ESPP offered by your employer.
How To Overcome Spending Impulses To Stay On Budget
Through television, social media, texting, emails, and even your own friends, people today are constantly being urged to purchase some good or service. You are constantly told this next thing is what you need to increase your convenience, gain status, lose weight, become more beautiful, or have more fun. This bombardment of media can be difficult to overcome and may lead people to completely disregard their financial future to get that next thing. This is a discussion of spending psychology and how you can overcome spending impulses to stay on budget.
6 Financial Tips For People Looking To Buy An Investment Property
Many young people have been told that investing in properties can help them retire early, be their own boss, and create passive cash flow. While the right investment property can help achieve these things, I’ve seen just as many people in compromising financial positions because of a poor investment property purchase. This is a discussion of financial considerations for people who want to add an investment property to their portfolio.
How Inflation Impacts Your Financial Plan And What To Do About It
Before the 2020 Covid-19 pandemic, I noticed that not many of the investors I spoke with were very concerned about how the increase in the cost of goods and services impacted their daily lives. This increase is is known as inflation and since 2020, many investors have expressed concerns about it. Here is how inflation impacts your financial plan and some steps you can take to reduce its impact.
Tax And Financial Planning Strategies For Employees Receiving RSUs
When you work for a publicly traded company, company equity may be part of your compensation. Receiving stock awards in the form of restricted stock units (RSUs) comes with distinct vesting schedules, risks, and tax implications that you will need to consider. This is a discussion of tax and financial planning strategies for employees receiving RSUs.
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I seek to make personal financial planning less scary.
This book provides a simple guide for working through life's biggest financial questions facing couples in their 20s, 30s, and early 40s today. It starts with goals-based planning around topics including retirement planning, education planning, and major purchase planning. It then walks through some basics of investment management, options for how to invest, behavioral finance, and pitfalls to avoid. Lastly, it discusses risk management and insurance.
If you are not sure where to start, this book may provide some clarity.