Linda Housand, Financial Advisor

Blog

Now do you wish you had cash in savings?

An emergency fund is the weather-proofing for your finances.
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Financial Dignity

Noticing that a loved one is having difficulty keeping up with their finances and stepping in to help requires tact, mindful communication, and a continued commitment.
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Giving Season

It's gifting season. A holiday budget may be unrealistic. What if we thought of ourselves first?
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Reimagining the Boomers Economy

Baby Boomers spending may redefine our perception of what old age is.
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Women Forward Fellowship

Happy to announce that I've been invited to participate in Advisor Group's Women Forward fellowship program.
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Organized for Life

Ease yourself into an organized record-keeping system.
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Tax Strategy: Charitable Contributions

If you are over age 70-1/2 and confused as to the deductibility of charitble contributions under the new tax law, there is a strategy that can allow you to continue to avoid income tax on contributions to qualified charities.
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Focus

Start with the end in mind.
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Did you forget something?

Simple things many people haven't gotten around to that potentially can make or break your financial plans.
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The Cost of Long Term Care

Rising Costs of Long Term Care
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Empty Nest Financial Changes

The new budget of an empty nest can lead to a more financial independence
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Pricing Exchange Traded Funds

Exchange Traded Funds (ETFs) trade on an exchange, similar to the way stocks are traded.
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LIfe Insurance Awareness

Workplace benefits play an essential role in our financial security. So long as we work for that same employer.
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Preparedness

Preparing for the disasters about which the weatherman can warn us is simple, just takes planning and a bit of work. Preparing for the unforeseen, devastating ones can be too.
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Stretched Finances Affect Financial Progress

A 2018 study, from interviews with U.S. employees about their finances, showed one-in-four supporting not only their household, but giving financial assistance to their parents or in-laws.
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Bond Yields and Terms

Yields on 2-year and 10-year Treasury notes are quite close.
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Check Your Tax Withholding

Getting a large income tax refund can seem like a windfall, but that money could serve you better.
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Savngs Bonds

Did you know that some older US Savings Bonds may no longer be earning interest?
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Planning to Pay for Education

New tax law allows 529 Plan payment for K-12 private school.
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Curveballs

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Sometimes Simpler is Better

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Bond Yields and Bond Prices

The "yield" on a bond is the interest rate it will pay. Regardless of the current market price for that bond, it will continue to pay the promised interest until it matures.The "price" of a bond depends upon how much it can be sold for on the bond market; essentially the price someone is willing to pay for it. If interest rates rise, then existing bonds may be worth less.If some time ago I had purchased a bond with a 3% yield, and now today a bond of similar cr
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What's in a "Market Correction"

The term "market correction" describes a decline of 10 percent from the particular market's 52-week high. The S&P 500 grew by
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What you should know about Life Insurance

Annuities and life insurance serve us in providing guarantees of either a defined income, a tax-free lump sum payout at death, or a source of funding during our lifetime. They can even serve as tax-deferred savings vehicles. Today we’ll look at life insurance. Insurance products are complicated, with language different from our day-to-day vocabulary. Sometimes people have old policies that they no longer need, or do not understand. I often find that people have lost their policy, and
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