Author: Ken Gulliver

UGRU Financial Coaching > Articles by: Ken Gulliver

The One Thing the IRS Can Never Tax

“Thinking is one thing no one has ever been able to tax” – Charles Kettering An American businessman, engineer and inventor ultimately holding 186 patents. From 1920 to 1947, Charles Kettering was the head of research at General Motors. Obviously, this was a man who knew how to think. Considering his many accomplishments, he was probably…

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Why Secure Finances Matter to You

Security… what does that mean to you? If you lived in a war zone, security would probably mean a well-stocked underground bunker, where you would be safe from the ravages of war. But for most of us, the one word that generally goes hand in hand with “security” is “finances.” We are concerned about our…

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Buying a Home? How to Guide For Your New Nest

Have you ever bought a home? Was the experience enjoyable? Or were you, like many others, overwhelmed by all the hoops you felt you had to jump through to get to the finish line? Buying a home can be a daunting task, especially for the first-time homebuyer. The sheer amount of work it takes to…

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Insurance or Equities? Which is Better for Your Retirement?

How is your retirement planning going? If you’re like nearly half of American families, you have between nothing and $1,000 saved away for retirement. Part of the problem is not knowing where to fit retirement savings into the budget, especially for families living from paycheck to paycheck. The other part is knowing what to do…

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15 Things You Must do Before Buying Your Next House

Are you planning on buying a home sometime soon? For many of us, buying the family home is one of the biggest investments that we make. It provides security and warmth for our families, as well as becoming part of our retirement planning. So, we should all aspire to buy a home sometime in our…

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10 Things You NEED To Know Before Buying a Life Insurance Policy

Buying a life insurance policy is a big decision—and if you have a family relying on you, it’s a must-have. Although it may seem time consuming, confusing, and even morbid (it isn’t!) at first, it’s important that you and your spouse take time to understand the policy you’re buying and why you’re choosing that one.…

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10 Things You Must Do for a Rock Solid Retirement

If you were to Google “how to financially prepare for…” guess what would come dead last? Retirement. Pregnancy, divorce, college, a recession, and moving out of your parents’ house all beat it on the list! But that’s a problem, because retirement is arguably more costly in the long run than any of those things. There…

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4 Reasons an Unchecked Pay Raise Can Hurt You

Pay raises. They’re a good thing right? You’ve worked hard enough and smart enough in your chosen career to get some tangible recognition for a job well-done. Now you can see that recognition in your check at the end of every pay period. You’ve gained a little more job security. You’ve proved your worth to…

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10 Creative Ways To Keep A Better Budget

Do you want more time and money? Then you will want to keep a better budget! If you think you’re a bad budgeter, you’re not alone. According to a recent report from Bankrate, more than 61% of American households have less than $1,000 in savings. The same report found that those Americans without enough in savings…

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Money is the Root of All Love

Today is English language day so I thought I would talk about words and their meaning like: Money is the root of all love. This is a simple statement and no doubt a controversial one. But, it’s easy to buy into the idea of a statement without fully understanding it. You could take the headline…

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