Archive for TheLiveBigWay® Digest

TheLiveBigWay® Digest: Let’s Talk Money, Honey

TheLiveBigWay® Digeston February 6th, 2019Comments Off on TheLiveBigWay® Digest: Let’s Talk Money, Honey

Let’s Talk Money, Honey

Love can make the world go round! But when you think about your favorite memories with your sweetheart, do you think about your financial conversations? Probably not. Money talk with your significant other is an important part of a healthy relationship, although it can also be a major stressor. Taking the time to have pillow talk that includes money talk can help to enhance your relationship and avoid conflict down the road. As we approach Valentine’s Day, we share some financial conversation starters for you to consider to get started in making money talk an intimate part of your relationship.

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Modern Day Literacy – More Than Just Words

Books, newspapers, emails, websites, dialogues – words are all around us. Literacy is nothing less than a survival skill in today’s United States. But what about money? Isn’t that all around us as well? Credit cards, mortgages, auto loans, tax returns, college savings plans, 401(k)s . . . Is financial literacy any less of a necessary skill than orthographic literacy today? As we continue to explore various aspects of money talk in this edition of the Digest, we take a deeper look at the reality of modern day literacy.

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Featured FinTech

FinTech, or Financial Technology, refers to the innovative use of technology to streamline financial activities. While you may initially visualize FinTech as fancy smart phone apps, consider, also, how ATMs replaced bank tellers or how credit cards eased the burden of carrying cash – that’s FinTech! With an abundance of technologies available these days, we’d like to share with you some of the FinTech products that are catching our eye and highlight them in this space we’re calling Featured FinTech. In light of today’s Valentine’s Day theme, we share a summary about a popular goal planning app that we think provides an interactive and motivating platform for implementing a couple’s financial goals.

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An Invitation to Our Virginia Event

The Yeske Buie story is a compilation of extraordinary relationships from its past and present, with a pledge to continue the story by nurturing extraordinary relationships in the future. Regardless of whether our relationship has spanned two months or twenty years, we consider every moment together to be an opportunity to elevate our connection, and we hope to have another opportunity to do so at our next social gathering! Join us on Thursday, March 7th from 5:00 – 8:00pm at Bazin’s Next Door in Vienna, VA for a celebration of your past, present, and future with Yeske Buie. Stay tuned for more details and RSVP today!

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How You Will Receive Your 1099

As you begin collecting your tax documents to prepare your 2018 returns, we’d like to offer a few notes about tax information for your Yeske Buie accounts.

  • On the Tax Reports page of your Client Private Page®, you will find reports for your taxable accounts (for planning purposes only) and transaction reports for your IRA(s). To complete your tax return, please refer to your Schwab 1099 for dividends, interest, and capital gains in your taxable account(s), and your 1099-R for any distributions from your IRA(s).
  • Schwab will be posting 1099s to the Statements tab of your Schwab Alliance account throughout the month of February. Step-by-step instructions for accessing the online forms can be found here. If you have elected to receive printed forms, you will be notified via email when the forms have been mailed. And if you have any trouble at all accessing your forms, please don’t hesitate to give us a call so we can help.
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TheLiveBigWay® Digest: Offense and Defense

TheLiveBigWay® Digeston January 24th, 2019Comments Off on TheLiveBigWay® Digest: Offense and Defense

The Yeske Buie Playbook

Super Bowl LIII will see the New England Patriots square off against the Los Angeles Rams next Sunday, February 3rd. And just as each team will arrive at Mercedes-Benz Stadium armed with a playbook that blends hours of research with the ingenuity of the league’s top strategists, Yeske Buie has its own financial planning playbook, designed to tilt the odds in our clients’ favor. We thought we’d take this opportunity to share the key elements of Yeske Buie’s Creative Strategies and Grounded Wisdom® playbook.

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Required Minimum Distributions

Required Minimum Distributions (RMDs) are minimum annual distributions that must be withdrawn from an IRA beginning with the tax year within which the account holder turns 70 ½. Schwab has released their annual RMD report, which marks the beginning of our annual process of reviewing each IRA from which an RMD is required to ensure enough cash is available for the distribution. In most cases, RMDs will be distributed by the end of February; for our Clients who use their RMD amount as their annual spending target, we’ll track the distributions throughout the year to ensure the required amount is satisfied. Learn more about RMDs and Yeske Buie’s process for managing the distributions.

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2019 Financial Review and Outlook

Earlier this week, we hosted a live webinar where we shared our take on the economy in 2018 and the headwinds facing investors in 2019. A recording of the webinar is now available on our website. We hope that you will share this link via email, social media, or otherwise with friends, family, or colleagues who may find the information valuable. We look forward to connecting with you via our webinars throughout the year to share our perspectives on current news and events that can impact your financial life. As a sneak peek, we’ve connected with a cybersecurity expert to present at our next webinar – stay tuned for details!

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How You Will Receive Your 1099

As you begin collecting your tax documents to prepare your 2018 returns, we’d like to offer a few notes about tax information for your Yeske Buie accounts.

  • On the Tax Reports page of your Client Private Page®, you will find reports for your taxable accounts (for planning purposes only) and transaction reports for your IRA(s). To complete your tax return, please refer to your Schwab 1099 for dividends, interest, and capital gains in your taxable account(s), and your 1099-R for any distributions from your IRA(s).
  • Schwab will be posting 1099s to the Statements tab of your Schwab Alliance account throughout the month of February. Step-by-step instructions for accessing the online forms can be found here. If you have elected to receive printed forms, you will be notified via email when the forms have mailed. And if you have any trouble at all accessing your forms, please don’t hesitate to give us a call so we can help.
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Northern Virginia Locals – Save the Date!

Will you be in the Northern Virginia area on Thursday, March 7th? If so, we hope you will save the date and join our team for a special social gathering in Vienna, VA. The event will feature light appetizers, tantalizing sweet treats, mingling with the Yeske Buie team, and more. Stay tuned for a full invitation with more information in the coming weeks. And in the meantime, feel free to email us if you know you’ll be able to attend!

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TheLiveBigWay® Digest: Second Wind

TheLiveBigWay® Digeston January 10th, 2019No Comments

Falling Flat: The Not-So-Predictive Yield Curve

If you’ve been following recent market news, you’ve undoubtedly heard about the recent turmoil in the stock market. As we noted last week, 2018 was the first year in a decade that US markets finished lower than they started. This fact doesn’t mean a lot on its own, but it certainly doesn’t stop the talking heads from…well, talking. Pundits love to grab statistics and buzzwords that can generate a story, often plucking only the economic measures that support their case.  One of the phrases you may have seen put forth, often as a harbinger of recession, is the dreaded “inverted yield curve.” The story goes that once the yield curve flattens or inverts, the stock market is certain to take a downturn. Today, we’ll take a closer look at what exactly the yield curve measures and what (if any) predictive value it has.

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Your Second Wind: Starting a New Business in Retirement

Prior to recent generations, the typical work pattern of an individual was to enter the workforce, work until their 50s or 60s, and then retire and never think about going to work again. The Baby Boomer generation, however, is redefining retirement by exploring different ways to continue working during the time they are viewed to be “done with work,” and many are doing so by starting their own business. In fact, research shows that people ages 55 – 64 make up nearly 25% of new entrepreneurs! Today, we explore why entrepreneurship is appealing to many retirees and share a few possible ideas to spark your interests.

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In Case You Missed It: Market Perspective in Two Charts

We know you’ve seen the headlines that market performance last year was the worst in a decade, based on the S&P 500. That is true. However, considering the fact that 2018 was the first year with a negative return since 2008, that statement doesn’t necessarily have much meaning. Nevertheless, the stock market has become much more volatile in recent weeks and months, and we thought we’d offer a brief perspective with two charts.

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New Year’s Resolutions for Your Financial Life

The New Year traditionally affords an opportunity to explore new habits like getting healthier, saving money, taking more time for yourself, learning a new skill, finding another job, and more. As you finalize your new year’s resolutions for 2019, we thought we’d share a few resources with ideas for implementing lasting changes in your financial life:

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Register Today to Join Our Live Webinar

We hope you will join our upcoming live webinar on Wednesday, January 23rd at 11am PT / 2pm ET titled 2019 Financial Review and Outlook. During the webinar, Dave Yeske will share brief review of the economy in 2018, our thoughts on recent market volatility, and an outlook on the landscape going forward for the economy, the markets, and other developments that can impact your finances in 2019. If you have something specific that you’d like us to speak to during the webinar, please feel free to email your thoughts to Mila@YeBu.com and we’ll look to incorporate them into the presentation. Otherwise, click this link to register for the virtual event and we’ll look forward to talking with you soon!

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TheLiveBigWay® Digest – Best of 2018

TheLiveBigWay® Digeston December 21st, 2018No Comments

Last week in this space, we shared a slideshow video featuring 10 Ways We’re Grateful as a reflection on the things that filled us with gratitude during this past year. Today in this final 2018 edition of the Digest, we reflect again – this time sharing a collection of some of our most popular posts from TheLiveBigWay® Digest in 2018. We hope you enjoy reading (or re-reading!) these pieces and we hope you and yours continue to have a restful break and a happy and prosperous New Year.T

The Most Popular Posts from TheLiveBigWay® Digest in 2018

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Top Economy and Investing Post: What is Bitcoin actually worth?

Having risen from $1,000 per coin to a high of nearly $20,000 in the past 12 months (although when writing this, it had fallen back to $11,000), Bitcoin has garnered more than a little attention and spawned a host of imitators. Earlier in the year we came across a post by a gentleman who blogs under the name The Unassuming Banker that we think did a particularly nice job of both explaining what Bitcoin is and why it and the 1,400 other cryptocurrencies that have sprung into existence have, whatever their current market value, an intrinsic value of zero. We thought we’d share.

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Top Financial Planning Post:The Science of Spending

What if there was a way to increase your happiness and satisfaction without much work, energy, or effort? Would you want to find out more? Science supports that it is, indeed, possible to achieve more happiness by taking an objective look at how you’re spending your money. Read on to learn more about what the emerging field of positive psychology says about how we can increase our happiness by changing how we spend our money.

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Top Firm News and Events Post: It’s a Boy!

Late last year, the Yeske Buie team was overjoyed to share that Yusuf Abugideiri, Senior Financial Planner in our Virginia office, and his wife Maegan welcomed their first child, Noah Abugideiri. One year later, Noah has taken his first steps and is well on his way to exploring this new world in his own Live Big way! We share a gallery of photos throughout Yusuf, Maegan, and Noah’s journey.

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Top Cyber Security Post: Monitoring, Alerting, Locking, or Freezing

Unsurprisingly as technology continues to become more embedded in our lives, the cybersecurity world encountered its fair share of data breaches, new phishing techniques, and other vulnerabilities this year. We believe in the importance of cybersecurity, breach or no breach, and regularly share suggestions from industry experts for keeping your personal information safe. Related to the myriad of data compromises over the past few years, we share our thoughts on monitoring, alerting, locking, and freezing your information to keep your identity protected.

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Top Yeske Buie in the Media Post:

Elissa Buie Recognized by Washingtonian Magazine

Elissa Buie, CFP was recognized once again as one of the area’s best fee-only financial planners by Washingtonian Magazine. Featured in Washingtonian’s January issue, the Top Wealth Advisors list is compiled largely via responses to a peer survey that asks industry professionals “Who would you trust with your own money?” Those named to the list received the most recommendations. Read on to see what Elissa has accomplished over her 35-year career that has earned her a spot on every edition of the list.

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TheLiveBigWay® Digest: Bringing it Back

TheLiveBigWay® Digeston December 13th, 2018No Comments

The Astronomical Cost of Living – Bringing it Back to Earth

You overhear it in restaurants, at the office, on public transit, or at family dinner—it’s on everyone’s mind: things cost so MUCH these days. Whether it’s coming from the generation ahead of you or from a generational peer, everyone wants to wax nostalgic about the cost of living “back in the day.” While the cost of living has certainly gone up, most people conveniently leave out the fact that wages have been steadily climbing as well. However, the increase in wages hasn’t always kept up with the rising cost of living, especially in certain sectors. Today we explore the country’s supposedly astronomical cost of living and see what talking points actually hold true.

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Tis the Season for Holiday Giving

A core value at Yeske Buie, our team believes in giving our time and talent to our Clients, our local communities, and the Financial Planning profession, in part as an appreciation for all we’ve received individually and as a firm. While we are intentional about Giving Big all year round, we find ourselves particularly inspired to give during the holiday season. For the past few years, Elissa and Dave have generously invited the team to select a handful of toys to be donated to local charities. We hope you enjoy the following photos and quotes from our team members reflecting on the internal and external impact of this giving tradition.

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The Gift of Identity Protection

News on what’s looking to be the second largest corporate data breach in history released late last month with additional details being revealed over the past few weeks. The target of the breach was Marriott Hotels and it is suspected that the hackers stole names, addresses, passport information, credit card information and more related to reservations made between 2014 – 2018. With this in mind, we encourage you to spend a few minutes reading about ways you can protect yourself from identity theft and ways that Yeske Buie is looking out for you. And if you haven’t done so already, you may consider giving yourself the gift of identity protection this holiday season. Click here to read more about the protection service we recommend – IdentityForce – which you can get at a 30% discount as a Client of Yeske Buie.

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Our 2018 Webinars

In 2018, Yeske Buie hosted four live webinars as an additional way to connect with you throughout the year and to share relevant and timely information related to the markets, the economy, and financial planning strategies. We plan to continue this effort in 2019 and beyond, with our next webinar being held on Wednesday, January 23rd at 11:00am PT / 2:00pm ET. We hope you will save the date and join us for a discussion on the outlook for the new year ahead. In the meantime, we’d like to share recordings of this year’s webinars for those who may have missed them or would like to revisit the information that was presented – we hope you enjoy!

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Tis the Season: Timeless

Three years ago, Elissa and Dave became involved with Cappella SF, an exceptional a cappella group founded and directed by Ragnar Bohlin, Emmy award winning director of the San Francisco Symphony Chorus. We were dazzled by the group’s first Christmas album, Light of Gold, that released in 2015 and this year, we are excited to share that Capella SF has released a new album entitled, Timeless: Ten Centuries of Music. Just like the first, this new CD is a reminder of the joy that Cappella SF’s music inspires, and we hope that it fills your ears and soul the same way it has for us.

To anyone who is interested, we would like to offer you a copy of this CD; simply email Mila@YeBu.com and she will promptly ship one to your home. Here is a link to a sample of Timeless that will give you a taste of what this CD has in store for you. Happy Holidays!

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TheLiveBigWay® Digest: The Gift of Planning

TheLiveBigWay® Digeston November 29th, 2018No Comments

The Gift of Planning

Atop the fifteen hand-written signatures you’ll see when you open Yeske Buie’s holiday card this year, you’ll see the names of two charities that Yeske Buie has made a donation to in the name of our Clients: the American Red Cross and the Foundation for Financial Planning’s Pro Bono for Cancer Campaign. To bring to life the meaning of our donation to the Pro Bono for Cancer Campaign, we’d like to share a story about our remarkable experience that inspired this year’s donation.

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ABLE: Achieving a Better Life Experience

Many parents of kids with disabilities will tell you that supporting and caring for them is one of the hardest yet most rewarding things they’ve had the privilege of doing. These families have many facets of their lives to manage, and money typically is the most substantial factor weighing them down. Fortunately for these families, recent changes to ABLE accounts will better assist them financially. Continue reading to learn more about these accounts and the strategies that can be used to maximize their benefits.

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Medicare: Time to Pick a Plan

Open enrollment for 2019 Medicare plans ends one week from today on Friday, December 7th. Missing this deadline can result in a costly penalty or a gap in coverage, so it’s important that those desiring coverage pick a plan before the enrollment window closes. Being eligible for the program, however, doesn’t mean that it’s easy to decipher the best course of action amongst the array of available options. We’ve put together a brief guide about the various Medicare components and some of Yeske Buie’s suggestions for making your journey through the enrollment process as seamless as possible.

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A Cyber Celebration

Given today’s cyber-climate, it shouldn’t come as a surprise that Cyber Monday is an identity thief’s favorite holiday. It’s not a coincidence, then, that the cyber-world is “celebrating” Computer Security Day today, November 30th. Computer Security Day has been around since computers started to become commonplace in the late 1980s, although security practices have evolved significantly as technology has become more sophisticated. In celebration of Computer Security Day, we share a collection of pieces we’ve written on the topic of cybersecurity for you to consider as you work to keep your personal information secure.

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Tis the Season: Timeless

Three years ago, Elissa and Dave became involved with Cappella SF, an exceptional a cappella group founded and directed by Ragnar Bohlin, Emmy award winning director of the San Francisco Symphony Chorus. We were dazzled by the group’s first Christmas album, Light of Gold, that released in 2015 and this year, we are excited to share that Capella SF has released a new album entitled, Timeless: Ten Centuries of Music. Just like the first, this new CD is a reminder of the joy that Cappella SF’s music inspires, and we hope that it fills your ears and soul the same way it has for us.

To anyone who is interested, we would like to offer you a copy of this CD; simply email Mila@YeBu.com and she will promptly ship one to your home. Here is a link to a sample of Timeless that will give you a taste of what this CD has in store for you. Happy Holidays!

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TheLiveBigWay® Digest: Learn, Teach, Share

TheLiveBigWay® Digeston November 15th, 2018No Comments

I Bought a Home – Now What?

After hours of researching the perfect neighborhood, touring who knows how many houses, and signing what feels like one hundred papers, it’s finally yours. Your very own home. The reality of this new chapter in your life can be both exciting and overwhelming. And whether it is your first home or you’ve been around the block a few times, it’s worth creating a plan to ensure your home buying decision aligns with your big-picture financial plan. In this piece, we share our thoughts on items to think through as you move along the journey of buying a home.

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Financial Perfection vs. Financial Progress

Winston Churchill had many lasting and impactful aphorisms. One saying, attributable to his wit and insight, is, “Perfect is the enemy of progress!”. Churchill likely borrowed this saying from the late seventeenth century philosopher, Voltaire, who probably adopted it from an earlier unknown work. Regardless of its origin, here at Yeske Buie and as members of the financial planning profession, the saying’s truth and timeless wisdom resonates with us. Read on for more about overcoming the tendency to seek perfection in your finances and how to tackle feelings of inertia standing in the way of achieving your financial goals.

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In Case You Missed It: Midterms, Markets, and Money

Earlier this week, we hosted a live webinar where we shared our thoughts on our post-election direction, diving into legislative opportunities following the midterm elections, economic variables to watch in the markets, and staying resilient in the face of change. In case you missed the live webinar, a recording is now available on our website. As always, if you have any questions related to the webinar or elsewise, please do not hesitate to contact us. And stay tuned for details on future live webinars!

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Family Trees: Learn, Teach, Share

Rather than taking a side dish to this year’s Thanksgiving celebration, consider taking a copy of your family tree, instead. Exploring your family tree can be such a powerful exercise; it kindles stories about the people important to us, the lessons learned, and the memories and legacy we hope to impart. The Yeske Buie team recently took the time to complete our family trees, and today we share the lineage of a variety of our team members. We hope you find our trees enjoyable, and if you find yourself inspired to complete your own, we hope you will share it with us so we can learn more about those most important to you.

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Tis the Season: Timeless

Three years ago, Elissa and Dave became involved with Cappella SF, an exceptional a cappella group founded and directed by Ragnar Bohlin, Emmy award winning director of the San Francisco Symphony Chorus. We were dazzled by the group’s first Christmas album, Light of Gold, that released in 2015 and this year, we are excited to share that Capella SF has released a new album entitled, Timeless: Ten Centuries of Music. Just like the first, this new CD reminds us of the joy that Cappella SF’s music brings us, and we hope that it fills your ears and soul the same way it has for us.

To anyone who is interested, we would like to offer you a copy of this CD; simply email Mila@YeBu.com and she will promptly ship one to your home. Here is a link to a sample of Timeless that will give you a taste of what this CD has in store for you. Happy Holidays!

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TheLiveBigWay® Digest: Curious Questions

TheLiveBigWay® Digeston October 31st, 2018No Comments

What is Your Retirement Vision?

We spend our entire adult lives working to reach the destination known as retirement: a period of life that many imagine filling with travel, relaxation, or endless rounds of golf. In actuality, retirement can be one of the most challenging phases of life due to its inevitable newness. For this reason, it is important to ask the right questions and seek guidance before you “quit” your 30-year working routine cold turkey. In this space, we share three important questions to keep in mind as you plan for retirement.

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How Much Do You Spend?

How much did you spend at the grocery store last week? What about at restaurants last month? You probably have only a very general idea of the answers to these questions. And frankly, that’s ok. Life is often too busy to record and categorize every expense. Luckily, technology can help do all of that for you. Today, we take a look at one of the more popular cash flow tracking apps: Mint. Read on for our take on the service, and our thoughts on using cash flow trackers.

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You’re a Financial Planner… Now What?

“You’re a Financial Planner… Now What?” is the title of a podcast series that features interviews with experts and young advisors who share their experiences, knowledge, and practical advice. Yeske Buie’s very own Lauren Stansell was invited to share her thoughts on a recent episode that focused on the next generation of financial planning and continuous learning. Continue reading for highlights from the insightful podcast.

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Will You Join Our Post-Election Live Webinar?

Voter enthusiasm for the midterm election next Tuesday is reaching near-historic levels. No matter the result of the voter turnout or the elections themselves, it is almost certain that the vote will have an impact on the economy, the markets, and our other complex systems. We invite you to join Dr. Dave Yeske on November 14th at 11am PT / 2pm ET for a live webinar where he’ll share thoughts and insights on our post-election direction. Register today to reserve your virtual seat and feel free to share this link with any friends, family, or colleagues who may also want to join.

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Health Insurance Marketplace – What’s Changing? What’s the Same?

Despite potentially conflicting messages, the health insurance marketplace will continue to be available for 2019 coverage and the open enrollment window officially opened yesterday. The deadline for enrollment is December 15th. Those intending to enroll are encouraged to start the process early this year as state-by-state plans are expected to vary more this year than in the past, and navigating the site may be more difficult than past years due to budget cuts. With this in mind, we share a quick guide from the HealthCare.gov website to help you learn more about enrollment, potential savings, picking a plan and more.

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TheLiveBigWay® Digest – Quick Cash

TheLiveBigWay® Digeston October 18th, 2018No Comments

How to Save in a Hurry

As you travel along life’s journey, different opportunities can come across your path that require pooling your resources; buying a house, taking your family on vacation, building an emergency fund, or buying a new car. And when you decide to pursue one of these opportunities, the next step is to think about what needs to be done to achieve the goal. Sometimes the timeline for the goal is long-term, but what do you do if you need to save in a hurry? In this space, we explore different quick-saving tactics to consider when you want to save for a big expense in a timely manner.

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A Financial Plan for Your “Mega Millions”

As you’ve inevitably heard, the Mega Millions jackpot payout for tonight’s drawing is nearing $1 billion. The hype around this drawing has grown with every round there wasn’t a winner, even though the chances of winning aren’t improving with each round. Whether or not you choose to play the Powerball, Mega Millions, or any lottery drawing, there are a few relevant financial concepts to contemplate in light of the chaos. Take a ride with us as we chronicle the roller coaster of financial decisions you must make when you decide to purchase a lotto ticket.

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In Case You Missed It: What the Stock and Markets are Telling Us

OK, let’s be honest, we never really know what the stock and bond markets are telling us in real time. This is because the economy and the financial markets are complex, chaotic systems that defy short-term prediction or analysis. It is only after the fact, with the benefit of hindsight, that we know what the signal meant. Having said that, we can still harness economic theory to tell us what “might” be going on. Read on for our thoughts on the theories for recent market volatility.

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Save the Date for Our Live Webinar: Post-Election Direction

The midterm election is just over two weeks away and many are predicting that this election’s attention and voter turnout will be unprecedented compared to recent years. No matter the result, however, it is almost certain that the vote will have an impact on the economy and the markets. Register today for our live webinar on Wednesday, November 14th at 11:00am PT / 2:00pm ET where Dr. Dave Yeske will share his thoughts on our post-election direction.

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Final 2017 Tax Return Reminder

The final 2017 income tax deadline has come and gone. For those who filed for an extension, we would like to kindly request that you send us a copy of your 2017 federal and state returns to help us better serve you through the remainder of the year. We are best able to perform tax related analysis with your most current tax return. Exactly how the information is used varies from Client to Client but may include analyzing Roth conversions, updating retirement capital projections, calculating tax projections, and tracking tax data that can impact investment decisions. You may send the documents to us using any of the secure methods described here.

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TheLiveBigWay® Digest – Credit Craze

TheLiveBigWay® Digeston October 4th, 2018No Comments

The Age-30 Crisis: What About My Money?

As individuals transition into their 30s, they may be entering (or be in the midst of) some of the most critical life transitions they will experience including establishing their careers, marriage, and parenthood. These transitions have such an impact on an individual’s life that some psychologists refer to them as “major life investments,” both because of the personal and financial implications during this stage of life. To learn more about how one can prepare themselves for these transitions from a financial standpoint, read on.

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Yeske Buie in the Media: Cash Back Considerations

Credit card companies spend billions of dollars each year marketing their cards to consumers, often using flashy commercials to advertise cash back bonuses, 0% interest rates, and other attractive qualities. But with all the options out there, how do you decide which company earns your business? While there are a number of considerations to evaluate when making this decision, for many consumers, cash back bonuses have become one of the most highly valued considerations. Lauren Stansell recently shared her thoughts on cash back cards with BankRate.com – read on to see what Lauren had to say.

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In Case You Missed It: Is it Smart Money or Dumb? 

At the end of last week, we shared our response to The Wall Street Journal columnist Jason Zweig’s latest offering for The Intelligent Investor titled “The Dumb Money Is Bailing on U.S. Stocks. That’s Smart.” Zweig’s article argues that “now more than ever, investors need to consider investing in overseas stock markets.” In case you missed our short weekend read, we share it again here in this space.

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Freeze for Free

Just in time for cybersecurity awareness month, a new federal law effective September 21 brings about two positive changes for consumers – free credit freezes and unfreezes and year-long fraud alerts. These two security measures add an extra layer of protection to your personal information by restricting access to your credit file. Credit freezes achieve this by preventing lenders from pulling your credit file until you choose to unfreeze your information. Similarly, fraud alerts prompt lenders to take extra steps to verify your identity before accessing your information. Both of these efforts help ensure that your credit is accessed only for instances that you – not a fraudster – have authorized. Read on for details on establishing a credit freeze or a fraud alert based on our firsthand experience.

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Where in the World is the Live Big® Glass?

Where in the world is the live big glass these days? It’s recently been spotted in more northern areas of the world with stops in the Windy City and Seydisfjordur, Iceland! These two photos have been added to our gallery that offers over 90 other photos of the Live Big glass in dozens of states and countries around the world. If you have a photo you would like to add to our gallery or if you would like to request a glass for yourself, please don’t hesitate to email Mila@YeBu.com.

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“Our deepest fear is not that we are inadequate. Our deepest fear is that we are powerful beyond measure. It is our light, not our darkness that most frightens us. We ask ourselves, Who am I to be brilliant, gorgeous, talented, fabulous? Actually, who are you not to be? Your playing small does not serve the world. There is nothing enlightened about shrinking so that others won't feel insecure around you. We are all meant to shine. And as we let our own light shine, we unconsciously give others permission to do the same. As we are liberated from our own fear, our presence automatically liberates others.” ~Marianne Williamson