By John Ingrisano
When I was a young-pup, wanna-be freelancer back in Indianapolis in 1978, I would take on any assignment I could get. Two were memorable.
The first that tickled me (years later) was with a start-up pair of morning drive-time radio disc jockeys called Bob & Tom. They were a great interview, but nobody knew (even them, I suspect) that they would become nationally known. Good guys.
The second was with a money-management advisor. Though I’ve long since forgotten his name, I remembered one key thing he said he told all his clients: “If you can’t afford to pay cash, you can’t afford to buy it!”
Those words played into something I had suspected and was already trying to practice with my young family. You could say they launched a writing career on money management topics.
The advice is the cornerstone of effective money management. Yes, today, it is more difficult to go plastic/credit free. But it is possible. Try it. If you do …
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You’ll find that you will have to make money decisions – some of them tough – each and every day. Should we buy a case of soda or just a few cans? Can we afford to go out for a movie, or wait until next week? Should we pick up that impulse buy or hold off, choosing to spend our money with forethought?
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You’ll find that you have more money for the things you truly want and need than ever before because you will waste less money on stuff that gives you no value. Yes, it will be tough at first as you adjust to reining in your spending. However, in the end, you’ll be living better and less (or no) debt.
Tip: Decide how much cash you will allow yourself to spend each week and list all the items that it must cover. Then start your week on a Wednesday. That’s right, Wednesday. That’s because you will be sure to have money to spend on Wednesday, Thursday and Friday, and probably Saturday (we do tend to spend more money on the weekends). So, you may end up pretty much sorting through the lint in your pockets or rifling through the couch cushions for spare change on Monday and Tuesday. However, those are the easiest days in which to spend less. Try it. It works.
By John Ingrisano
“What will happen to my estate when I am gone?” The topic makes many of us a bit uneasy. Talk of death and inheritance is strictly taboo in many families. But not addressing these issues can have serious consequences in the long run.
The obvious problem: Misunderstandings between siblings over their parents’ estates can lead to hurt feelings, mismanagement of funds and family feuding that can go on for years. Such cat-on-a-hot-tin-roof bickering is more common than most of us would like to admit.
It can also lead to feelings of guilt, as children grapple with the idea of profiting from their parents’ deaths.
The best solution: Avoid even the potential for conflict or misunderstandings by mapping out your estate distribution strategy in advance. Here are some guidelines to help you and your children prepare for their inheritance:
1. Give serious thought to how you want your estate distributed. Within very broad guidelines, you can do just about anything you want. But if you don’t decide, the state will decide for you…with no regard for your wishes.
2. Do an estate inventory, and then update it every year or two. This need not be an elaborate ordeal — just a listing of assets and their approximate value.
3. Talk to your children and other heirs. If possible, meet with each individually to provide a broad-brush overview of your intentions. For example, if your son is a successful lawyer and your daughter is a struggling artist, you may want to give a larger share to your daughter. Explaining this to your son may help avoid bitter feelings later.
4. Listen to your children and other heirs. Get their opinions and reactions. Maybe Betty doesn’t want the vacation cottage you considered leaving to her; or Roger prefers that at least some of his inheritance go instead into trusts for his children’s college educations.
5. Make a “special bequests” list of specific items. It should include things a child, grandchild or close friend has expressed an interest in…such as the piano admired by your granddaughter or the ring you promised to your daughter-in-law. This list, which should become a part of your will, can help avoid misunderstandings among your heirs. Just as important, it will assure that your wishes are followed.
6. Use life insurance to even out your distributions and also protect a surviving spouse. If you give Angie your $150,000 business, the beset way to provide fairly for Jonny is with $150,000 of life insurance on your life. Also, consider life insurance to assure that your spouse (assuming he or she outlives you) is well cared for.
7. Talk to an experienced estate planning attorney about your options. You may be pleasantly surprised at how many there are. They can include everything from trusts to lifetime gifts and, of course, your will. If you already have a will, make sure it is current. Your will is one of the most important tools for an orderly, peaceful distribution of your estate.
8. Review your estate planning goals, needs and potential tax liabilities with your attorney and your insurance agent. Estate and other taxes can slice a major piece off your children’s shares. However, there are a number of ways to conserve the estate you’ve built. This includes the potential to save many thousands of dollars in unnecessary costs and taxes. Among the options you may want to consider: life insurance, lifetime gifts and trusts.
9. Select an executor who you believe can represent you effectively and with whom your heirs can work. Perhaps a qualified family member — such as your daughter, the CPA — can serve as executor. However, if there is the potential for sibling conflicts, consider a trusted outsider.
10. Consider periodic family meetings to discuss your plans and get ongoing input as families and objectives change.
The decisions you make show a caring commitment to your heirs. Take the time to plan today, and to prepare yourself and your children for their inheritance. Do it for your peace of mind and the sake of your family.
By John Ingrisano
“Do you work or stay at home with the kids?” That hair-trigger question has set off many arguments in the decades-long debate over the economic value of the stay-at-home parent.
When you add up the value of such services as chauffer, cook, nose wiper, nurse, teacher, sibling referee, housekeeper, disciplinarian and comforter, it’s a pretty important career.
But what is the job worth in dollars and cents? Though estimates vary widely and the question may never be settled completely, there have been several recent efforts to realistically quantify the numbers based on some reasonable assumptions. The most comprehensive study comes from joint research conducted several years ago by University of Utah and Cornell University.
According to this study, the annual value of household work from married-couple households comes to $20,724. This average is fairly steady regardless of the number of children or household income.
That may not sound like much. However, it adds up to better than $1,700 a month. More to the point, when it comes to raising a child from birth to age 18, that $20,724 a year translates into a total expense of nearly $375,000. The chart below shows the simple calculations, and note that this does not even factor in inflation or other variables:
Total cost to raise a child to age 18:
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Age youngest child
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Total value
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|
0
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$373,032
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|
1
|
$352,308
|
|
2
|
$331,584
|
|
3
|
$310,860
|
|
4
|
$290,136
|
|
5
|
$269,412
|
|
6
|
$248,688
|
|
7
|
$227,964
|
|
8
|
$207,240
|
|
9
|
$186,516
|
|
10
|
$165,792
|
|
11
|
$145,068
|
|
12
|
$124,344
|
|
13
|
$103,620
|
|
14
|
$ 82,896
|
|
15
|
$ 62,172
|
|
16
|
$ 41,448
|
|
17
|
$ 20,724
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Example: If you have a 10-year-old child, the total estimated cost of caring for that one child for the next eight years (to age 18) would be approximately $165,792 ($20,724 X 8). However, if you have a newborn, a six-year-old, and a 10-year-old, the time span between the time when your eldest was born and your youngest child reaches age 18 is 28 years. The total estimated cost of raising your three children would be approximately $621,720 ($20,724 X 28). This is also the “replacement” cost if the adult caretaker should die.
Note that these numbers are averages based on one study. There are many factors and variables to consider.
The bottom line: If you or your spouse stays home for hands-on child rearing, congratulations. Your job is pretty darn valuable in terms of both emotional currency and dollars and cents.
So, don’t buy into that slam line: “Oh, you don’t work. You’re a stay-at-home parent.”
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Want to learn more about how to manage your money and your life? Check out The Back to Basics Book of Money! A Couple’s Guide to Financial Peace. The book contains 10 valuable Couple Money Skills. Plus, the Back to Basics Book of Money Workbook (which dovetails with the main text) offers 31 practical, hands-on Wealth Builder activities that can help you and your partner build financial and domestic stability. Both the book and workbook, which retail for $31.98 plus S & H, are available at the Family Finances Conference Center website for $27.99 total.
The Family Finances Conference Center tailors programs to the unique and individual needs of client organizations and their members and employees, based on the principles of the book and workbook set, The Back to Basics Book of Money! A Couple’s Guide to Financial Peace.
For more information, contact me at the Family Finances Conference Center by email (john@b2bbookofmoney.com) or my direct phone line (920-559-3722).
John Ingrisano
Director
Family Finances Conference Center
204 Lakeview Drive
Algoma, WI 54201
(920) 559-3722
john@b2bbookofmoney.com
By John Ingrisano
Socialism sounds nice. Everybody takes care of each other, nobody goes hungry, etc. Unfortunately, it doesn’t work. Capitalism does. It enables everyone to take care of himself or herself so nobody goes hungry, etc.
Capitalism makes it possible for people to purchase the greatest variety of goods for the lowest possible prices. (Government subsidies, by the way, artificially lower prices temporarily, but eventually lead to recession-like economic declines, if not the eventual downright collapse of the entire economic system.) It also keeps prices at their lowest level possible, thanks to true competition (something a government cannot manipulate).
Example: I purchased a Kindle e-reader from Amazon.com in March 2009. It was a revolutionary development, one that intrigued me so profoundly that I went out and added Amazon.com to my stock portfolio immediately.
I paid $359 for the gadget, well worth every penny. Well, lo and behold, here it is January 2010 and competitors are now flooding the field with their own versions of e-readers. And these products aren’t just clones. No, instead, they’re next generation devices … new and improved.
As a result of this wonderful competition, that same Kindle I bought in March is now available for $259; that’s $100 less than just nine months earlier. And I expect the price to keep dropping.
A teachable moment (or three lessons about competition and capitalism):
1. It keeps prices low. When a McDonalds and a Burger King set up shop at the same intersection, it pretty much guarantees that they will keep their prices as low as necessary to keep your business. (No, this is not collusion; it’s competition. Close one and prices at the other will increase. Add a third and prices will decline even further, until each reaches what is called the “break even point.” That’s the minimum a business can charge without going broke. It’s also the ideal price from the point of view of a customer.)
2. It gives us more choices. Remember the images of Russians in the now defunct Soviet Union back in the 1960s standing in line for the next shipment of low-quality sausages (or any product, for that matter)? Centralized management and government-run, non-competitive planning destroyed their choices under the “government knows best” theory. Sorry, but it doesn’t.
3. It leads to innovation. Kindle’s competitors are offering new features (not just lower prices) to get your business. That means Amazon.com must improve its next generation of e-readers. The reason we got from the Model T Fords to the incredible cars of today in just 100 years is because of competition.
The bottom line: Competition is good and capitalism builds wealth. It is the ONLY economic system that does so. Enjoy the day and celebrate the competitive advantage created by the bold thinking of Capitalists in what is left of our free-market economy.
By John Ingrisano
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Need a presentation for your civic or social group, club, school, church or synagogue? Let me know. I can tailor a money management seminar or workshop to your organization’s specific needs. Topics include (but are not limited to) the Ten Couple Money Skills from The Book of Money.
Couple Money Skill # 1:
Make Your Partner Your Financial Partner
(Assemble Your “Financial Peace” Team)
Couple Money Skill # 2:
Make Money Your Ally
(Learn The Importance of Money & Money Management)
Couple Money Skill # 3:
Identify the Leaks in Your Financial Bucket
(Learn Where Your Money Goes Each Month)
Couple Money Skill # 4:
Plug Those Leaks in Your Financial Bucket
(Learn How to Use Money as a Tool, Not a Toy)
Couple Money Skill # 5:
Treat Debt as a Curable Disease
(Learn How to Use Credit, Not Abuse It)
Couple Money Skill # 6:
Pay Off Your Existing Debts
(Learn How to Put Those Payments in Your Pocket Instead)
Couple Money Skill # 7:
Manage Your Money Like It Counts
(Master the Art & Science of Living Within Your Means)
Couple Money Skill # 8:
Stockpile a Cash Cushion
(Learn How to Pay Cash for Emergencies … And More)
Couple Money Skill # 9:
Protect Your Assets
(Use Insurance to Turn Mountains into Mole Hills!)
Couple Money Skill # 10:
Put Your Money On the Payroll
(Learn How to Build Wealth)
$ $ $
For more information, contact me at the Family Finances Conference Center by email (john@b2bbookofmoney.com) or my direct phone line (920-559-3722).
John Ingrisano
Director
Family Finances Conference Center
204 Lakeview Drive
John Ingrisano is the author of The Back to Basics Book of Money! A Couple’s Guide to Financial Peace, and director of the Family Finances Conference Center. He is also a business coach dedicated to helping clients identify and capitalize on their unique competitive advantage. He can be
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By John Ingrisano
Find grocery shopping boring? Then you haven’t played “Fun & Games at the Grocery Store,” which can translate savings at the checkout counter into a college fund, new wide-screen TV … even a vacation.
The average weekly grocery bill in America comes to between $175.50 and $208.60 for a family of four (2007 numbers), according to U.S. government statistics. For the sake of discussion, let’s say the average cost comes to $200 a week. Note: This does not include meals out.
These days, the computerized grocery receipt often shows how much money you saved by buying on-sale or discounted items, so you can easily track your savings.
What to do:
- Look for items on sale. If you save 10 percent (or $20 a week) off your average grocery bill, that adds up to $1,040 a year.
- Take a second look at generic products. In the past, generic and store labels were noticeably inferior to brand names. No longer. These days, many store labels are of just as high a quality as brand names. But the price can be 20-30 percent lower. If you cut a modest $10 from your grocery bill each week, that adds up a not-so-modest savings of $520 a year.
- Put those savings in a clear, glass cookie jar. This is important because it lets you see your savings. Then deposit them into a “dedicated” savings account at your bank or credit union, naming it for purpose you are saving: vacation, college, that new boat, etc.
Total savings in one year: $1,560! A petty decent gain for absolutely no pain, just by following the above steps!
Start today. Then next year, you’ll have a nice stash of cash for your children’s college fund, a new appliance or maybe a mini-vacation.
Want to learn more about how to get the best value for the money you spend? Check out The Back to Basics Book of Money! A Couple’s Guide to Financial Peace. The book contains 10 valuable Couple Money Skills. Plus, the Back to Basics Book of Money Workbook (which dovetails with the main text) offers 31 practical, hands-on Wealth Builder activities that can help you and your partner build financial and domestic stability.
Both the book and workbook, which retail for $31.98 plus S & H, are available at the Family Finances Conference Center website for $27.99 total.
Or order the two-book set directly from the address below for an additional savings of $3.00, or just $24.99, including shipping.
The Family Finances Conference Center tailors programs to the unique and individual needs of client organizations and their members and employees, based on the principles of the book and workbook set, The Back to Basics Book of Money! A Couple’s Guide to Financial Peace.
For more information, contact me at the Family Finances Conference Center by email (john@b2bbookofmoney.com) or my direct phone line (920-559-3722).
John Ingrisano
Director
Family Finances Conference Center
204 Lakeview Drive
Algoma, WI 54201
(920) 559-3722
john@b2bbookofmoney.com
“Helping families find money for
what they truly want and need.”
By John Ingrisano
When it comes to money management and strategic planning, the stroke of midnight on December 31 does more than signal the end of the year. It also represents a deadline to make many important money management and tax planning decisions that can impact your financial well-being in 2010 and beyond.
Here is a short to-do list that can help you wrap up the old year and ring in the new on a positive financial note:
- Review your overall financial planning and money management strategy, starting with your financial goals. This will help keep you focused. Decide where you want to be in the years ahead. By reviewing your assets and making sure your strategies and goals are on track, you can work to achieve them.
Write everything down, starting with a wish list; then narrow it down by focusing on the goals that are most important to you. Examples may include having a specific dollar amount on hand for your children’s educations, having the mortgage paid off by a certain year, accumulating a specific size nest egg by age 62. This gives you direction, a road map to follow. Identify specific activities that will help you achieve your goals. If you want $40,000 in hand in 15 years to pay for junior’s college, determine how much money you must put aside every month to realize that goal.
- Review your insurance coverage. That is just a matter of meeting with your agent. He or she can help you review your protection and wealth-building program.
- Max out your IRA contributions. Get in your 2009 maximum IRA contribution of up to $5,000 per person this year; $6,000 if you are age 50 or older. (You have until April 15, 2010, but the sooner you make your contribution, the more interest it will earn.) Then, at the first opportunity of the new year, make your 2010 IRA contributions. Even if you can’t make all these contributions in one fell swoop, schedule systematic contributions over the coming year.
- Make charitable contributions before the end of the year so you can take your deductions in 2010.
- If you’re a homeowner, talk to your lender about pre-paying next year’s real estate taxes in a lump sum out of your escrow account or cash prior to December 31. The immediate payoff: If payment is received before December 31, you can take the deduction on your 2009 income tax form.
These are just some of the strategic planning and money management steps you should consider as we wrap up the year. The goal is to take a proactive approach to your finances, putting yourself in control to save taxes and build wealth for the future.
Want to learn more about how to get the best value for the money you spend? Check out The Back to Basics Book of Money! A Couple’s Guide to Financial Peace. The book contains 10 valuable Couple Money Skills. Plus, the Back to Basics Book of Money Workbook (which dovetails with the main text) offers 31 practical, hands-on Wealth Builder activities that can help you and your partner build financial and domestic stability. Both the book and workbook, which retail for $31.98 plus S & H, are available at the Family Finances Conference Center website for $27.99 total.
The Family Finances Conference Center tailors programs to the unique and individual needs of client organizations and their members and employees, based on the principles of the book and workbook set, The Back to Basics Book of Money! A Couple’s Guide to Financial Peace.
For more information, contact me at the Family Finances Conference Center by email (john@b2bbookofmoney.com) or my direct phone line (920-559-3722).
Oh, and Happy New Year. May 2010 be a year of prosperity and good health for you and your loved ones.
John Ingrisano
Director
Family Finances Conference Center
204 Lakeview Drive
Algoma, WI 54201
(920) 559-3722
john@b2bbookofmoney.com
“Helping families find money for
what they truly want and need.”
By John Ingrisano
This goes back to my life insurance roots, and it’s something I’m pretty passionate about. It’s a reminder that the real gift of value you can give your loved ones is not a toy or jewelry or even a mid-winter cruise. It’s financial security.
How do you do that? You do it by making sure that, should anything happen to you, the people you love and who count on you will not be left financially stranded.
That means life insurance. (Oh, uhg! Yes, life insurance. It’s not sexy, but it will pull your family’s fat out of the fire if you die before your time.)
So, between now and year end (okay, I’ll give you to mid-January), track down your insurance agent to review your insurance needs and make sure you own adequate life insurance on yourself.
No, it isn’t very very exciting. I agree. And it won’t get a lot of oohs and aahs of appreciation. So, I wouldn’t even bother to mention it to many people. But the fact is that life insurance is one of the most effective ways to protect your family’s standard of living and all that you have worked together to build.
Why give the gift of financial security? Many reasons. For one, it takes money to raise children. As long as you are able to work and care for your family, you know their lifestyle that you have worked so hard to provide and maintain is assured. However, if something happens to you, your income would die with you.
Consider the facts:
That’s where life insurance comes in. If you die prematurely, life insurance proceeds can replace your income and provide cash your family will need to help them retain their standard of living. This money is received income tax-free by your beneficiaries.
How much life insurance do you need? That’s a decision only you can make. However, many people select the amount based on a multiple of their income, such as five or even ten times gross. So, if you earn $50,000 a year, you may want to maintain between $250,000 and $500,000 of coverage.
Imagine what would happen if you died. (I know — cheerful. Get over it.) After the emotional pain, the bills still need to be paid. Now, imagine that your family received $500,000 in life insurance … income-tax free, by the way. That money could be used to pay off the mortgage, meet other obligations, be invested for the future. In other words, create options for your loved ones.
The bottom line: Life insurance can create the gift of financial security for your family. It is a gift that shows how much you care. Long after the other presents are opened on Christmas morning — after the poinsettia are wilted and the latest computerized gizmos are gathering dust on the shelf — your gift of financial security will be there … protecting your loved ones and helping to ensure their futures.
As I said, I believe in this stuff. So, as soon as possible, track down your life insurance agent and review your current insurance program. Then make adjustments as needed. Do it for your family. Do it for your own peace of mind. Just do it.
Want to learn more about how to manage your money and your life? Check out The Back to Basics Book of Money! A Couple’s Guide to Financial Peace. The book contains 10 valuable Couple Money Skills. Plus, the Back to Basics Book of Money Workbook (which dovetails with the main text) offers 31 practical, hands-on Wealth Builder activities that can help you and your partner build financial and domestic stability. Both the book and workbook, which retail for $31.98 plus S & H, are available at the Family Finances Conference Center website for $27.99 total.
The Family Finances Conference Center tailors programs to the unique and individual needs of client organizations and their members and employees, based on the principles of the book and workbook set, The Back to Basics Book of Money! A Couple’s Guide to Financial Peace.
For more information, contact me at the Family Finances Conference Center by email (john@b2bbookofmoney.com) or my direct phone line (920-559-3722).
John Ingrisano
Director
Family Finances Conference Center
204 Lakeview Drive
Algoma, WI 54201
(920) 559-3722
john@b2bbookofmoney.com
By John Ingrisano
Gift cards are perennially popular, with up to two-thirds of shoppers saying they include them in their loved one’s holiday stockings.
However, there are risks. Especially in today’s troubled economy, with businesses closing on a daily basis, giving gift cards can be risky business. Here are some of the most common problems:
- Businesses that go belly up may not honor their cards. For example, according to a piece on National Public Radio last fall, companies such as Circuit City, which filed for bankruptcy protection, still honored its gift cards, as did Linens ‘n Things … at least for a time. But other bankrupt companies, such as The Sharper Image, simply stopped accepting the cards. The problem is that in a bankruptcy, the consumer is considered an unsecured debtor. So, a gift card may become worthless overnight.
- Some cards expire. Or they lose a percentage or several dollars of their value each month. Before you buy a store or mall card, read the fine print on the back.
- Some cards never get used. A quarter of gift card recipients still haven’t spent gift cards a year after receiving them, according to a Consumer Reports survey.
- A lost or stolen card is gone. With most store or mall cards, they are liquid as cash.
By John Ingrisano
Many of us, numerous times each day, expose ourselves to credit card theft. With the holidays upon us, the pace picks up even more.
We slip them in the gas pump, punch in the numbers on our computer keyboard, slide them through the slot at the grocery checkout line, and hand them over to complete strangers at restaurants and stores. And the bad guys are just waiting to capture your number, run up big bills, and turn your credit rating into a disaster.
The holidays are like Christmas for credit card thieves. It’s their busy season, too. What can you do? Here are some suggestions compiled from the FTC and credit agencies.
1. Check your credit and debit card balances carefully. Why? Because you can never be completely certain, no matter how careful you have been, that your number has not been stolen. Review every entry. If you have a question about something, contact the credit card company immediately.
2. Be wary of internet purchases. E-commerce is now big business, and you can’t beat the convenience and speed. However, no site can completely guarantee the security of your credit card. Many people refuse to shop on line for that reason alone. Buy only from sites that you know.
3. Double check to make sure you have your card after every purchase. We use plastic more and more frequently these days; our cards are in and out of our wallets all the time. Don’t leave one on the counter of the store at the mall or on the trunk of your car at the gas pump. Also, make sure it’s your card you get back. Busy restaurants and stores may be running half a dozen credit cards through at a time. Either intentionally or by accident, it is possible to get the wrong card returned.
4. Never leave your cards unattended. Some people toss them in a drawer at work or in the glove box of their cars. There are more credit card thefts in the workplace than in any other single location … followed by thefts from cars.
5. Encourage clerks to confirm your identity … and those of would-be thieves. A growing number of people are no longer signing their credit cards, but print the words, “CHECK ID” in the signature box. Ideally, the clerk will then ask to see other identification. This may be a minor inconvenience for you, but a major hurdle for credit card thieves trying to use your card.
6. Try to avoid letting your card out of your sight. In one well-publicized fraud case, a store clerk was double- and triple-swiping cards through the scanner to add purchases, a trick that might not be all that easy to catch by a person in the midst of holiday shopping.
7. When shopping by phone, only give your credit card number when you have called to place an order (not when the other party initiates the call).
8. Report missing cards immediately. The good news is that you are only responsible for $50 in fraudulent purchases. (This is also why the FTC recommends that you not bother with loss-protection insurance.) However, credit card thieves work fast, and within hours can gum up your credit for years to come. Note: Debit cards offer no such protection, and thieves can clean out your checking account in minutes.
9. Destroy unwanted or expired cards immediately. Cut up cards so no one can read the numbers.
10. Memorize your ATM pin number. Don’t carry it in your wallet.
Having your credit cards stolen during the holidays can add stress and frustration to an already busy time. Of course, there are no sure-fire ways to guarantee that you will never be the victim of a credit card thief. However, by following the above ten suggestions, you can protect yourself best and increase the odds of enjoying a crime-free holiday season.
* * *
Want to learn more about how to get the best value for the money you spend? Check out The Back to Basics Book of Money! A Couple’s Guide to Financial Peace. The book contains 10 valuable Couple Money Skills. Plus, the Back to Basics Book of Money Workbook (which dovetails with the main text) offers 31 practical, hands-on Wealth Builder activities that can help you and your partner build financial and domestic stability. Both the book and workbook, which retail for $31.98 plus S & H, are available at the Family Finances Conference Center website for $27.99 total.
The Family Finances Conference Center tailors programs to the unique and individual needs of client organizations and their members and employees, based on the principles of the book and workbook set, The Back to Basics Book of Money! A Couple’s Guide to Financial Peace.
For more information, contact me at the Family Finances Conference Center by email (john@b2bbookofmoney.com) or my direct phone line (920-559-3722).
John Ingrisano
Director
Family Finances Conference Center
204 Lakeview Drive
Algoma, WI 54201
(920) 559-3722
john@b2bbookofmoney.com
