National study finds Asheville housing market unsustainable

Housing prices are rising much more quickly than wages in the Asheville area.  Experts agree this is negative, but they don't know what the ultimate consequences will be.

Click below to learn more. 

45% of Americans pay no federal income tax

Many Americans don’t have to worry about giving Uncle Sam part of their hard-earned cash for their income taxes this year.  An estimated 45.3% of American households — roughly 77.5 million — will pay no federal individual income tax.  To learn why, click link below. 

Here’s How Each Presidential Candidate Will Impact Your Tax Bill

Now that most of the 2016 presidential candidates have released their proposed tax policies you may be wondering just exactly how your bank account would fare with Ted Cruz or Bernie Sanders in the White House. Two tax calculators in particular do a nice job of showing how everyday Americans will be impacted by each candidate’s proposals.

All you need to do is plug your income, marital status, and whether or not you have children into this simple calculator, and it will show you how much more or less you would pay in taxes if Donald Trump, Ted Cruz, Hillary Clinton, or Bernie Sanders were elected.

Click below to see how your paycheck will fare with each presidential candidate.  

Tax Breaks for People Over 50

Turning 50 means more tax benefits. Growing older qualifies you for a variety of tax perks that aren't available to younger workers.  After age 50, and especially at age 65, you can qualify for extra tax breaks. Older people get a bigger standard deduction, and they can earn more before they have to file a tax return at all.  

Click below to learn about some ways to save money on taxes as you age.

3 of the Worst Ways to Spend Your Tax Refund

As refund checks arrive, many of us are making plans for the "extra" money.  Some of us will be responsible, and others will blow the money and party like it's 1999.  What are you going to spend your refund on?

Click the link below to find out the 3 worst ways to spend your tax refund.  

7 tax credits every homeowner should take advantage of

The benefits of home ownership are many, especially tax season.  When you buy a home, you're establishing roots. But beyond all that, owning any type of home - single-family, condo, cooperative or mobile home - is a major asset come tax time, and can save you money on what you owe the government.                                                                                                     

Click the link below to learn about these 7 tax credits every homeowner should take advantage of.

6 Surprising Money Habits of Millionaires

Most millionaires aren’t driving Lamborghinis and eating caviar. They’re driving reliable used cars and eating mashed potatoes and meatloaf. Millionaires aren’t wealthy because they’re lucky. They’re wealthy because they follow simple money habits year after year. Click below to learn more about Dave Ramsey's 6 Surprising Habits of Millionaires.  

Worried about the Stock Market? Smart investors do these 3 things-

Stocks are off to to their worst start to a year ever.  It's human nature to look at this massive wave of selling and panic.  But what's going on in the markets right now is not a repeat of the 2008 financial crisis and Great Recession.  

The market rewards optimists -- and pragmatists.  Intelligent (long-term) investors tend to do three things when markets sour:

To learn more click link below.  

Beat the Bad Guys to Your Tax Refund in 2016

Here's another resolution for the new year:  File your tax return as soon as possible.  We’re not simply anti-procrastination. We want you to get your money, and one of the surest ways to make sure you get your refund before an identity thief does is to file as soon as you can.  Click below to learn the many benefits of filing early.  

7 Smart Ways to Lower Your Taxable Income

Reducing your taxable income is one of the most effective ways to lower your taxes, with some moves doing double duty as both deductions themselves and as a means to slide under income thresholds at which other taxes would kick in.


While it’s late in the year now, there's still time to take steps that will lower the amount of income you must report on your 2015 tax return. 

Take a look.

Here’s How Tax Rates and Brackets Will Change in 2016

The IRS just announced its inflation adjustments for next tax year.  The tax rules are changing in 2016.  

Click below to learn how the tax rates and brackets will change.  

What A Fed Rate Hike Means For You

America's first interest rate hike in nearly a decade is here. The rate hike is a small one, but it will affect millions of Americans, including investors, home buyers and savers.

Millions of Americans will be affected as U.S. rates start rising. If you have a credit card or savings account, invest in a 401(k) or in the markets, or want to buy a home or car, now's the time to pay attention.  

What not to buy at Target and Walmart

Despite their low-price and convenience-oriented reputations, you may want to rethink what you buy at these stores. 

You can find great deals on clothes, shoes, and most household items,  but here are five items that you may want to consider purchasing elsewhere, experts say.

10 Things To Do Before Year-end

Now is a good time to get started on some important year-end financial tasks. Wouldn’t you rather enjoy the holidays with family and friends than scramble to meet a December 31 deadline?  

Click on the link below for a list of 10 smart money moves to consider—some that need to be addressed by December 31. Most of them can be accomplished quickly, but the benefits can last a lifetime.

These Are the Stores With the Biggest Black Friday Discounts

Now that most retailers have revealed their Black Friday Sales, the natural question shoppers have is: Who’s got the best deals?  Note the biggest markdowns aren't necessarily the best deals.  

As for the WalletHub study, here are the top 10 discounters on Black Friday, with each store’s average markdown cited below:

9 places you should never use a debit card

Debit cards are exposing people to fraud every day! And in many cases, if your money is stolen, you can’t get it back.   Here's how to make sure you and your wallet are protected.   Never use your debit in these places or instances, if you'd like to hold onto your funds, that is.

Your Brain Does Really Weird Stuff When It Thinks About Money

Money is an emotional topic, but what's really happening inside our brains when money comes up?  The answer, in short, is a whole lot!   A Harvard Business article explains what your brain looks like while thinking about money. Click below to read the 3 key takeaways.  

Stocks Have Best Month in 4 Years

It's a treat, not a trick, for investors.  October ended as the strongest month for equities in four years.  Stocks finished lower Friday, but still recorded their biggest monthly gains since October 2011.  The October rally followed two brutal months for stocks, when equities sold off on global growth fears.   Why such a strong October in stocks?  To learn more click on the link below. 

When Will I Be Retirement Ready?

How do we know when we have enough for retirement?  Given it’s National Save for Retirement Week, there’s no better time than now to take the mystery out of saving for retirement.    

The objective is that when you arrive at the golden years and find that they are truly golden-  It's called FINANCIAL FREEDOM.                                                                              

And it's easier to get there with a little planning-  even in your 20s- Because it's closer than you think!


Click the link below to learn when you will be "Retirement Ready."

What Fantasy Football Can Teach You About Investing

If you’re like me, you recently drafted players for your Fantasy Football team. As you sat online with thousands of other fans and fanatics scattered nationwide, chatting about and nabbing the best running backs, quarterback and kickers for your imaginary team, you may feel you learn little about investing. Wrong call.           

Fantasy Football is a billion dollar business that has more to do with investing than you might think.  The thought process involved with picking and managing your team can be similar to investing in your 401(k).                          

Here are mistakes to avoid on the make-believe gridiron and in our very real stock market.