Municipal bonds (munis) are attractive to many investors because the interest you earn from them is exempt from federal income tax and sometimes from state and local taxes as well.

Last week a long-time client contacted me to let me know there had been a fire in her rental home. This fire destroyed most of the inside of the house and almost all of her family’s belongings. They are now living in a hotel.

Every year millions of workers who are either retiring or changing jobs struggle with a difficult decision regarding their old employer’s 401(k). They know they don’t want to cash in their account because of the income taxes, and potential penalties. But they’re unsure whether to leave their money in the old 401(k) plan, roll it into a new employer’s defined-contribution plan if available, or roll it over into an individual retirement account. Each option has its benefits and disadvantages, depending on their situation.

How many of you have heard the adage that renting is just throwing money down the drain every month? Probably most of you. However, it’s important to take a serious look at both sides of the coin when determining whether renting, or buying is better for your own personal situation.

Imagine not having any discussions about money until after you are married. Who is paying which bills? What kind of monthly budget will you plan to stick to? How much debt have you brought into the marriage from credit cards or student loans that may impact your ability to purchase a home together? How much do you plan to save for retirement? Will you join your assets or leave everything separate?