Like most forms of ‘insurance’ the hope is that it’s never needed. Life dishes out some unexpected surprises and having a contingency fund provides piece of mind. How to build one? With so many demands on the paycheck it is hard to set aside funds when ‘just in case’ seems unlikely and far away. The […]

There are many decisions that no one wants to make based on money. Decisions such as having children, educating them or visiting family. Although it doesn’t seem very gentile, the reality is that the financial consequences of these decisions must be considered. Kids are a prime example. If parents-to-be sat down and calculated what the […]