/Bobby Cremins

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So far Bobby Cremins has created 12 blog entries.

How to figure out the limits you need on your auto insurance

The average auto insurance cost is about $1,200/year or $100/month.  So this expense isn't going to have a large impact on your cash flow whatever you decide. However, auto insurance can protect you from a devastating financial event so it's important to make sure you take the time to understand your coverage and protect yourself.

How to figure out the limits you need on your auto insurance 2016-10-18T13:32:54+00:00

Why Stock Market Valuations aren’t that high and why you should ignore them anyway

I read an interesting article by Dr. Jeremy Siegel in the May/June edition of the Financial Analysts Journal.  I think there are two important takeaways to consider for all investors: 1) The stock market might not be as overvalued as every news media source would have you believe 2) Even if the stock market is

Why Stock Market Valuations aren’t that high and why you should ignore them anyway 2016-10-18T13:32:55+00:00

Make a plan…and then follow it!

Here is the wonderful liberating truth about building wealth - it's incredibly simple. Here is the catch - it's not easy. Let's start with the simple part. #1 - Make a plan to build wealth #2 - Follow the plan #3 - Wake up wealthy around the day you set That's really all it takes.

Make a plan…and then follow it! 2016-10-18T13:32:55+00:00

Which college savings account should I use?

Just like your choice for retirement, you have to answer two questions when deciding where to invest for college: What type of vehicle do I use to invest for college? What do I actually invest in within that vehicle? The good news is you don’t have nearly as many choices when deciding where to invest

Which college savings account should I use? 2016-10-18T13:32:56+00:00

Where do I invest for retirement?

Where do I invest for retirement?  This is a common question for all investors, but the longer you have until retirement, the more important it is. You may not realize it, but you are really asking two questions with this simple question: What type of vehicle do I use to invest for retirement? What do

Where do I invest for retirement? 2016-08-05T21:35:42+00:00

The absolute best insurance policy you can “buy” that you probably don’t have

Why do we buy insurance policies?  To protect us from having to shell out money if something bad happens, right? We buy insurance in case we die (life insurance), in case we’re hurt or sick and can’t work (disability insurance), in case we rear end someone (auto insurance), in case our house burns down (homeowners or

The absolute best insurance policy you can “buy” that you probably don’t have 2016-08-05T21:42:27+00:00

How to Get out of Debt…fast

The rich rule over the poor, and the borrower is slave to the lender. (Proverbs 22:7) Debt is slavery.  If you’re in debt, you understand. Those student loans own you.  They aren’t going away for decades at this rate.  They’re eating up your income and they rob your ability to save and get ahead. It

How to Get out of Debt…fast 2016-10-18T13:32:57+00:00

How to create a Spending Plan that actually works!

You’ve tried to budget in the past, haven’t you?  Come on, be honest.  We all have.  You’ve tried excel spreadsheets, quicken, mint, your checkbook register, and some of you brave souls have even tried the envelope system. Why hasn’t it worked for?  Why did you give up? One simple reason is that you called it

How to create a Spending Plan that actually works! 2016-08-05T22:16:21+00:00

An Easy Way to Calculate Exactly How Much Life Insurance you Need

Life insurance is for income replacement. It’s that simple.  Forget complicated calculators that include mortgage payoff, children’s education, inheritance, and definitely stay away from insurance salesmen that start talking about life insurance as an investment! You want a term life insurance policy. Stay away from words like whole, variable, universal, and permanent.  These types of

An Easy Way to Calculate Exactly How Much Life Insurance you Need 2016-08-10T20:43:45+00:00

6 Principles to keep your dream home from becoming a nighmare

Buying a home is supposed to be the American Dream, right?  Most of us want to settle down and find a place we can call home, especially those of us with children. But we learned in 2008 that buying a home can become a nightmare. Fortunately, there are solid financial principles we can follow to

6 Principles to keep your dream home from becoming a nighmare 2016-10-18T13:32:58+00:00