It‘s been said that one of the best tax-savings tools is also one of least known, least understood, and most under-utilized financial instruments (yes, that’s the Annuity).

When you talk about saving money for your retirement, for a special vacation or for your rainy day fund, most people automatically think of ways to reduce spending. There are however, 2 ways to balance a budget - reduce spending or increase earnings. For most people, talk of earning extra money means working overtime or getting another job. That can sometimes cost you more if you overextend yourself and get sick or too stressed out. This article talks about some other ways to increase your income (or cash) that may not-be-so-obvious or may not be top of mind.

Albert Einstein defines insanity as doing something over & over again and expecting different results. What have you been doing over & over the last few years that has not moved you closer to your financial goals? Why even bother with new years’ resolutions if you’ve usually just abandoned them after a few weeks? These 5 key steps gives a different perspective that can truly make a big difference to reaching your financial goals this year and beyond.