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Should You Be Participating In Your Employee Stock Purchase Plan (ESPP)?
Before answering this question, it’s important to understand what an Employee Stock Purchase Plan (ESPP) is. An ESPP is a company sponsored benefit plan that allows employees to make after-tax deferral contributions that can be used to purchase shares of the company...
Letter to Uber Employees: Our Thoughts on the Road Ahead
Dear Uber Employees, You’ve come quite a long way! 86% annualized revenue growth over the past 5 years(1) is quite an accomplishment. Congratulations. You are part of what may be a once-in-a-lifetime transformative company. We write you, as we did Lyft and Pinterest...
It’s Never Too Late to Save
Retirement can sneak up on you. At one time, it seemed like a lifetime away, now it may be just around the corner. At one time you planned on working forever, but now you can admit that the thought of retiring has its benefits. Perhaps you’ve found yourself...
Finance Cost of Owning a Pet
Has a dog or cat grabbed hold of your heart? It doesn’t take much. A paw on the arm. A lick on the nose, or a soft purr or whimper can turn most of us into dog or cat parents in minutes. With animal shelters across the U.S. frequently at their max, there are a record...
Avoiding Retirement Woes
How to Avoid Retirement Woes According to the American Institute of CPAs (AICPA), the top concern of retirees is running out of money. While it’s a known fact that many of us don’t begin to save for retirement when we should, it appears that nearly half of all current...
Top 5 Things 20-Somethings Need to Do
If you’re in your 20s, rejoice! You’re in a great position to create the life you want, starting with a secure financial future. While it’s common to feel overwhelmed when entering the workforce full time, there are a lot of things you can do fresh out of college that...
How to Start Investing
If you’re interested in beginning to invest but are nervous, or simply don’t have a lot of money to invest, why not start slow? There are a multitude of ways to get started without risking a lot of money in the process. If you have $1,000 and are ready to start...
Letter to Lyft Employees – Thoughts on Navigating Risks & Opportunities Ahead
Dear Lyft Employees, Congratulations on your IPO! You have accomplished a tremendous amount so far. It isn’t every day a company goes public. 528% revenue growth in three years is no easy task1. The goal of this article is to help you make informed choices about what...
Social Security History and Benefits
Created as a result of the Great Depression, The Social Security Act was signed into law by President Roosevelt in 1935; mainly due to the rise in poverty of the nation’s elderly population. The act was designed to provide retired workers ages 65 and older with a...
What is Zombie Debt?
Zombie debt is old debt that is typically written off as bad debt by the original creditor and then later sold to collection agencies for pennies on the dollar. Most of the debt sold is years old and cannot legally be collected, though many consumers are unaware of...
Getting Started in the Stock Market
Investing in the stock market can be extremely rewarding, but not without risk. While most investors understand that market volatility is a given in the stock market, for those trying to decide whether to invest in stocks, the volatility alone gives them pause. A lot...
When and Why to Switch Auto Insurance
Like health care, many of us continue with the same auto insurance policy for years, never bothering to find out whether another insurance carrier could provide better service or save us some money. But there are several reasons why shopping for another auto insurance...