Establish Significant Liquid Cash Reserves

Establish Significant Liquid Cash Reserves

Establishing significant liquid cash reserves is the 3rd step of the 4×4 Financial Plan and, frankly, it could easily have been the 1st step as it is so critical to the success of your Financial Independence.  Why?  We need cash reserves for two reasons: When...
Are Your CD’s Really Safe?

Are Your CD’s Really Safe?

Certificates of deposit (CDs) are intended for the ultra-conservative investor. Why are they appealing to so many? They are touted as the “safe” investment option with essentially no risk as they are not tied to the stock market. However, how “safe” are they really...