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Back to School is the Catalyst to Reboot

By Kevin Gibbons It’s August and the Back to School ads are in full force. Stores are quick to point out that Back to School isn’t just for students. That parents and professionals can stock up on office and school supplies at the same time as new and returning students. But there are other ways all of us can benefit …

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Cowboy Money Lessons

I still love telling people that my dad is a cowboy. It’s up there with astronaut! Growing up, I learned fantastic life lessons from him through our love of horses and the cowboy life. Many of those lessons transcend to savvy living including: Put your tack away when you’re done or it will get ruined = Take care of my …

Summer Plans

How Are Your Summer Plans Holding Up?

By Kevin Gibbons We are now at the middle of summer. Actually, we are probably past the middle. Back when I was in school, we didn’t start the school year until after Labor Day; but now school starts in mid-August, so we are past the midpoint for many families. So, how are you doing on your summer plans? I had …

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Sunday Morning Amazon Shopping Ritual

By Melissa Tosetti Last year I worked with a professor at a prominent university.  At the time he was working on a project outside of his work for the school. As part of his research, he ordered a lot of books on Amazon and realized he was spending $100 – $200 a week.  He decided to cut back on the …

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Target – An Epiphany

By Melissa Tosetti The epiphany came to me the moment my client said, “and there’s a Starbuck’s right there.”  She was talking about the diabolical marketing geniuses that go by the name of Target. The client I was speaking with is a doctor with three children.  Her husband is also in the medical profession.  There’s an understandable level of stress …

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Spending & Your Financial Bell Curve

By Melissa Tosetti I first noticed the bell curve when my in-laws sold their house. They lived in a beautiful two-story home overlooking the San Francisco Bay for over 30 years.  In that time, they raised children, my father-in-law ran his liquor store and my mother-in-law became highly successful in real estate. When they decided to finally move full time …

Yard Tools

Swap Buddies Make Projects Affordable

By Kevin Gibbons If you’ve ever tried to remove a gear with a hammer and screwdriver instead of a gearpuller, or hand-sewn a tablecloth hem instead of using a sewing machine, you know how important having the right tool for the job can be. I’ve written before how resourceful my father and his friends were at building and fixing things …

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When Time Is Money

By Kevin Gibbons I loved my Dad. Among his many attributes, he was very much a “do-it-yourself” kind of guy. He did most of our home and car repairs himself. If he couldn’t do the work himself, he had friends, that together, could do just about anything, including putting on new roofs, building complete add-on rooms, putting up paneling, wallpaper, …

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Jacob’s Money Story

By Melissa Tosetti My nephew Jacob joined the Navy last summer.  We’re all extremely proud of him! A few weeks ago, I received a message from him via Facebook, asking for advice.  He has signed up for a five year military commitment and from a financial standpoint, wants to make sure he uses the time wisely.  What he really wanted …

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The Perfect Time Doesn’t Exist

By Melissa Tosetti I was talking with a client the other day as we compared the ridiculousness that has been our schedules the first few months of the year. For her, it was multiple business trips and caring for her children through their winter colds.  For me, it was one out of the ordinary task or event after the other.  …