from FREEDMAN FINANCIAL | October 7, 2016

Tracking Your Net Worth

What you're worth is far more important than what you make.

Many people like to measure personal financial success by the amount of money they make. Yet, true financial genius starts with having an eye on your overall net worth. Calculating net worth is simple. Just add up everything you own (bank accounts, investments, retirement plans, real estate, and more) and then subtract all of your debts (mortgage, equity loan, credit card debt, auto loan, etc.) Pretty simple, Right?

Having a good sense of your net worth is an important step in any sound financial plan and one we take very seriously at Freedman Financial.

Imagine seeing a dashboard of your financial life updated daily through your mobile device, personal web page or in hard copy.

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To Tip or Not to Tip?

Do you tip more when people are watching?

Everywhere you go servers, cashiers, baristas are all looking for a tip.

It seems that tip jar are everywhere. Giving a tip has become the norm, and often the service doesn't even have to be exceptional. Tips are given casually and often before the services are complete. Nobody want to be seen as cheap, so we throw some change or maybe a buck or two into the jar when we pick up anything. A new trend is to tip when paying with a credit card for basic and customary services. Often you'll find a "suggested tip" that starts at 20 percent (for instance) or are flat dollar amount on small items like a cup of coffee. Would you tip a 1, 2 or 3 dollars on a coffee, or would you dare to click on "Leave No Tip"?

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All the Single Ladies

Let's face the fact that many women will find themselves single in retirement. Are you ready?

According to recent Census data fifty-four percent of women in the US over 65 are single. This consists of women who have been widowed, divorced or have never married. While gender roles have changed over the years, in many households, it is still the men who deals with wealth management and retirement issues. While many women handle day to day finances. At Freedman Financial we encourage couples to visit the office together, so that everyone is on the same page and familiar with all aspects of a couple's finances.

With so many women currently heading their household, or expecting to do so at some time, it is important that you are prepared for managing both the day-to-day finances, but your overall financial plan. Are you ready?

Ladies, Are You Prepared to be Single?

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The opinions expressed in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which investments may be appropriate for you, consult your financial advisor prior to investing.

Investment advice offered through Freedman Financial, an SEC registered investment advisor.