Welcome!

AJAX & REA Authors: Gary Kaiser, Sandi Mappic, Pat Romanski, Kevin Benedict, Denise Dubie

News Feed Item

Four New Year's Resolutions You Can't Afford Not to Keep, According to Financial Advisor Higgins

SAN RAMON, Calif., Dec. 26, 2012 /PRNewswire/ -- Financial expert Michelle Perry Higgins says that when it comes to personal finance, we can make New Year's resolutions that actually stick. "The problem with keeping them is that it's easy to fall back into familiar patterns," she says. "Finance is the lifeblood of the household, so I advise strategies that I know my clients can easily achieve."

Ms. Higgins shares her top four New Year's resolutions that she believes nearly everyone can accomplish.

  1. Become a Smarter Shopper.
    "Before you go to the supermarket or the big-box store, make a list of what you need and only buy those things," Ms. Higgins says. By sticking to your list, she says you can avoid purchasing things that waste money. "You'll be amazed how much you'll save." She also says to be wary of certain coupon offers. "It's only a bargain if you already use the item in the coupon."

  2. Start a Rainy Day Fund.
    Ms. Higgins has a simple solution for putting money aside for unforeseen circumstances. "Most banks have the ability to take a fixed percentage of your direct deposit and allocate that to a savings account. You probably won't miss a 5% deduction, but it will pile up quickly." She recommends that the account not be linked to your regular checking account and that you do not get an ATM card issued. "It will grow faster if you don't have easy access to it," she says.

  3. Contribute to a Retirement Savings Plan.
    If you're not already enrolled in some type of retirement plan, Ms. Higgins strongly advises you do so. "You may be missing out on matching funds from your employer," she says. "That's like leaving money on the table. Find out how much your company will match if you contribute to your retirement saving plan, such as a 401(k) plan." She advises saving at least the percentage that your employer matches.

  4. Enhance Your Financial Knowledge.
    According to Ms. Higgins, taking a few minutes each day to read the financial section of the newspaper could change your money outlook for the better. "A little exposure to the financial world can yield big dividends," she says. With the wealth of information available on the Internet, she says that the task is even easier. "The better understanding you have about the financial world, the more control you will have over improving your own outcomes."

Ms. Higgins says that you can't get where you want to be if you don't know where you're going.  "It's important to sit down at least twice a year to review your goals and measure how far you have come."  Most importantly, she cautions to not be overwhelmed by your finances. "Take baby steps to move in the right direction."

Michelle Perry Higgins is a financial planner and principal of California Financial Advisors in San Ramon, California. Ms. Higgins specializes in wealth management, and has built a successful practice advising executive professionals into retirement. Her passion for financial management has helped hundreds of individuals better understand investing and financial planning. She was featured as a 2012 Five Star Wealth Manager Award winner by Diablo Magazine, and was also ranked in the Top 25 Women RIAs 2012, by WealthManagement.com. For more information please visit www.calfinad.com.

Maloon, Powers, Pitre & Higgins, LLC is a Registered Investment Advisor. Securities offered through Financial Telesis Inc. (Member FINRA/SIPC).

Reg Carter, Media Relations
(916) 563-7122 (office)
(916) 821-8955 (mobile)
[email protected]

SOURCE Michelle Perry Higgins

More Stories By PR Newswire

Copyright © 2007 PR Newswire. All rights reserved. Republication or redistribution of PRNewswire content is expressly prohibited without the prior written consent of PRNewswire. PRNewswire shall not be liable for any errors or delays in the content, or for any actions taken in reliance thereon.

Cloud Expo Breaking News
All too many discussions about DevOps conclude that the solution is an all-purpose player: developer and operations guru, complete with pager for round-the-clock duty. For most organizations that is not the way forward. In his session at DevOps Summit, Bernard Golden, Vice President of Strategy at ActiveState, will discuss how to achieve the agility and speed of end-to-end automation without requiring an organization stocked with Supermen and Superwomen.
The Internet of Things promises to transform businesses (and lives), but navigating the business and technical path to success can be difficult to understand. In his session at 15th Internet of @ThingsExpo, Chad Jones, Vice President, Product Strategy of LogMeIn's Xively IoT Platform, will show you how to approach creating broadly successful connected customer solutions using real world business transformation studies including New England BioLabs and more.
“The Internet of Things is a wave that has arrived and it’s growing really fast. The concern at Aria Systems is making sure that people understand the ramifications of their attempts to monetize whatever it is they build on the Internet of Things," explained C Brendan O’Brien, Co-founder and Chief Architect at Aria Systems, in this SYS-CON.tv interview at the Internet of @ThingsExpo, held June 10-12, 2014, at the Javits Center in New York City. Internet of @ThingsExpo 2014 Silicon Valley, November 4–6, at the Santa Clara Convention Center in Santa Clara, CA, will feature technical sessions from a rock star conference faculty and the leading IoT industry players in the world.
“About two years ago Brother launched a new group called Brother Online. We thought it was a good idea for a hardware company to get into the cloud services market and our first step into that market was web conferencing,” explained Courtney Behrens, Senior Marketing Manager at Brother International, in this SYS-CON.tv interview at the 14th International Cloud Expo®, held June 10-12, 2014, at the Javits Center in New York City. Cloud Expo® 2014 Silicon Valley, November 4–6, at the Santa Clara Convention Center in Santa Clara, CA, will feature technical sessions from a rock star conference faculty and the leading Cloud industry players in the world.
"So many teams have been stuck in their own practices for the last ten years and it's really hard to sell all the latest and greatest tools, but the reality is all the tools around operations have evolved so much you are starting to see a big shift toward upgrading that tool set, focusing more on automation, more on cloud," explained Dustin Whittle, Developer Evangelist at AppDynamics, in this SYS-CON.tv interview at the DevOps Summit, held June 10-12, 2014, at the Javits Center in New York City.
“We provide disaster recovery services as well as solutions. We also provide back-up solutions that work across your internal on-premise assets as well as in the public and private cloud," stated Joel Ferman, Vice President of Marketing at InMage Systems, in this SYS-CON.tv interview at the 14th International Cloud Expo® (http://www.CloudComputingExpo.com/), held June 10-12, 2014, at the Javits Center in New York City. Cloud Expo® 2014 Silicon Valley, November 4–6, at the Santa Clara Convention Center in Santa Clara, CA, will feature technical sessions from a rock star conference faculty and the leading Cloud industry players in the world.
SYS-CON Events announced today that Harbinger Systems will exhibit at SYS-CON's 15th International Cloud Expo®, which will take place on November 4–6, 2014, at the Santa Clara Convention Center in Santa Clara, CA. Harbinger Systems is a global company providing software technology services. Since 1990, Harbinger has developed a strong customer base worldwide. Its customers include software product companies ranging from hi-tech start-ups in Silicon Valley to leading product companies in the US and large in-house IT organizations.
“Distrix fits into the overall cloud and IoT model around software-defined networking. There’s a broad category around software-defined networking that’s focused on data center, and we focus on the WAN,” explained Jay Friedman, President of Distrix, in this SYS-CON.tv interview at the Internet of @ThingsExpo, held June 10-12, 2014, at the Javits Center in New York City. Internet of @ThingsExpo 2014 Silicon Valley, November 4–6, at the Santa Clara Convention Center in Santa Clara, CA, will feature technical sessions from a rock star conference faculty and the leading IoT industry players in the world.
“Dell Cloud Manager is a cloud management environment for the consumption of cloud resources and we provide a consistent interface, both in terms of API and in terms of user interface for doing a wide variety of activities core to deploying and operating software in cloud," explained James Urquhart, Technologist & Director of Cloud Management Solutions at Dell, in this SYS-CON.tv interview at the 14th International Cloud Expo®, held June 10-12, 2014, at the Javits Center in New York City. Cloud Expo® 2014 Silicon Valley, November 4–6, at the Santa Clara Convention Center in Santa Clara, CA, will feature technical sessions from a rock star conference faculty and the leading Cloud industry players in the world.
SYS-CON Events announced today that the Cloud Standards Customer Council (CSCC ) has been named “Media Sponsor” of SYS-CON's 15th International Cloud Expo®, which will take place on November 4–6, 2014, at the Santa Clara Convention Center in Santa Clara, CA. The Cloud Standards Customer Council is an end user advocacy group dedicated to accelerating cloud's successful adoption, and drilling down into the standards, security and interoperability issues surrounding the transition to the cloud. The Council will provide cloud users with the opportunity to drive client requirements into standards development organizations and deliver materials such as best practices and use cases to assist other enterprises.
“Ambernet Technologies is an innovative software company and we’ve been very focused on building enterprise grade cloud management and cloud brokerage software," explained Troy Halford, CSO of Ambernet Technologies, in this SYS-CON.tv interview at the 14th International Cloud Expo®, held June 10-12, 2014, at the Javits Center in New York City. Cloud Expo® 2014 Silicon Valley, November 4–6, at the Santa Clara Convention Center in Santa Clara, CA, will feature technical sessions from a rock star conference faculty and the leading Cloud industry players in the world.
“We introduced our product called AgilData. It’s basically the first Agile view, a streaming view of looking at a database and data as a streaming real-time dynamic capability," explained Cory Isaacson, CEO/CTO of CodeFutures Corporation, in this SYS-CON.tv interview at the 14th International Cloud Expo®, held June 10-12, 2014, at the Javits Center in New York City. Cloud Expo® 2014 Silicon Valley, November 4–6, at the Santa Clara Convention Center in Santa Clara, CA, will feature technical sessions from a rock star conference faculty and the leading Cloud industry players in the world.
“As the move to the cloud started, we stayed ahead of that by providing security solutions to our enterprise customers, financial customers, and now a whole new range of customers, which are application developers," explained John Gunn, VP of Corporate Communications for VASCO Data Security, in this SYS-CON.tv interview at the 14th International Cloud Expo®, held June 10-12, 2014, at the Javits Center in New York City. Cloud Expo® 2014 Silicon Valley, November 4–6, at the Santa Clara Convention Center in Santa Clara, CA, will feature technical sessions from a rock star conference faculty and the leading Cloud industry players in the world.
The industry is heated with debates on whether adopting private or public cloud is the smartest, best, cheapest, you name it choice. But this debate is missing the mark. Businesses shouldn’t be discussing public vs. private, but rather how can they make the two work together to their greatest advantage. The ideal is to merge on-premise and off-premise into a seamless environment that can be managed as a single entity – a forward-looking stance that will eventually see major adoption. But as of late 2013, hybrid cloud was still “rare,” noted Gartner analyst Tom Bittman. In his session at 15th Cloud Expo, Marten Mickos, CEO of Eucalyptus Systems, will discuss how public clouds need on-premise satellites to win and, conversely, how on-premise environments cannot be really powerful unless they are connected to the public cloud. It’s not two competing worlds; it’s two dimensions of the same world.
SYS-CON Events announced today that the Wall Street Technology Association (WSTA) has been named "Association Sponsor" of SYS-CON's 15th International Cloud Expo®, which will take place on November 4-6, 2014, at the Santa Clara Convention Center in Santa Clara, CA. The Wall Street Technology Association (WSTA®) provides financial industry technology professionals, vendors, service providers, and consultants with forums to learn from and connect with each other. The WSTA facilitates seminars and networking events where members meet and exchange ideas and best practices that assist them in effectively capitalizing on technology advances and dealing with financial industry business challenges. Founded in 1967, the WSTA is a not-for-profit association with a long history of evolving to meet the needs of its members.