Time to Make a few Phone Calls & then Ring the Cash Register!
Now is a good time to make a few phone calls and put some money back in your pocket! It’s a competitive marketplace. You have every right to ask your current...Read More
How far above or below water are you financially?
As mentioned in our Principles section, our Golden rule of personal finance is to live beneath your means. In other words, if on average you are spending less than you...Read More
Take precautions to protect yourself from scam artists
It seems that today’s electronic age is a breeding ground for scam artists. From spoof caller id calls, to identity theft, to account theft. The types and...Read More
Using Cushion and an Emergency Fund for Financial Stability
You hear a lot of discussion these days about emergency funds, and with good reason. The recent pandemic really hit people hard and not having adequate savings can...Read More
New vs Used Car- What is the best choice?
A car is a lifestyle choice and a significant financial decision When I was a child I remember my dad always saying “A car keeps you poor” and a “car...Read More
Ways to Reduce Your Auto Insurance Premiums
Seven ideas to get better rates 1. Raise your deductible. Make sure that you could handle the new higher deductible in case of an accident. Consider...Read More
Covid-19 Punched us in the Mouth – Now What?
How did we get Here? About a month ago our lives were seemingly normal. Going to work, talking with friends, seeing family, and going to stores and restaurants was part...Read More
Paycheck Protection Program – keep your pay going!
Overview The goal of the Paycheck Protection Program (PPP) is to keep workers employed during the Covid-19 national emergency pandemic. This program provides loan...Read More
Emergency Financial Steps in a Crisis
A national emergency such as the Covid-19 pandemic or a deep recession requires you to take emergency financial steps to protect you and your family. This post is...Read More
The Logical Way to Buy Equities Lower and Sell Higher
Trying to time the market is a losing game Some people spend their entire investing lives trying to time the market in an attempt to buy at the low and sell at the...Read More
Welcome To SmartMoneyToolBox
Hi, my name is John. I am a CPA who has worked in both public accounting and private industry since my career began in 1990. Building financial security is a marathon - not a sprint. It’s not a get rich quick formula. If you provide the effort, SmartMoneyToolbox will supply the tools!
