Blog

I started this Blog to help people navigate some of the more popular topics in Financial Planning from the perspective of a Fiduciary. 


Feel free to reach out directly to keep the conversation going! jyvars@capitaladvisorynh.com



Monday, September 25, 2023

When shopping for a mortgage, it is important to ask your lender a variety of questions to ensure that you are getting the best mortgage for your needs. Here are five questions you may want to ask your mortgage lender:What mortgage...

Friday, September 22, 2023

There are a few strategies you can try to get service fees and charges waived:Ask politely: It can't hurt to simply ask the company if they are willing to waive the fee. Be polite and explain your situation, such as if you are a...

Friday, September 15, 2023

Budgeting for a vacation can help you plan and pay for your trip without overspending. Here are some steps you can follow to budget for a vacation:Determine your vacation destination and how long you will be traveling. This will help...

Monday, September 11, 2023

A trust is a legal arrangement in which a person or entity, called the trustor or settlor, transfers ownership of property to a trustee to hold and manage for the benefit of one or more beneficiaries. Trusts can be useful in a variety...

Friday, September 8, 2023

Dave Ramsey is a personal finance expert and author who has developed a financial plan called the "Baby Steps" to help people get out of debt, build wealth, and achieve financial stability. The Baby Steps are a series of seven...

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Monday, September 4, 2023

Faith-based investing, also known as socially responsible investing or values-based investing, refers to the practice of investing in companies that align with an individual's values or beliefs. This can include companies that follow...

Friday, September 1, 2023

Compound interest is the interest that is earned on the principal amount of a loan or deposit, as well as on the accumulated interest of previous periods. It is different from simple interest, which is calculated only on the principal...

Friday, August 25, 2023

Meditation is a practice that involves focusing the mind on a particular object, thought, or activity to train attention and awareness. While meditation is often associated with spiritual or personal growth, it can also have a number...

Monday, August 21, 2023

It is difficult to determine the best cities for financial independence, as different cities may offer different advantages and disadvantages depending on an individual's personal circumstances and financial goals. Here are a few...

Friday, August 18, 2023

There are several ways you can invest $100, depending on your investment goals and risk tolerance. Here are a few options to consider:Invest in a mutual fund: You can invest $100 in a mutual fund, which is a type of investment vehicle...

Monday, August 14, 2023

Fundrise is a real estate investment platform that allows individuals to invest in a diversified portfolio of real estate assets, such as commercial properties and residential developments. Here's how Fundrise works:Create an account:...

Friday, August 11, 2023

Deciding whether to rent or buy a home is a major financial decision that requires careful consideration of the pros and cons of each option. Here are some of the positives and negatives to consider when deciding whether to rent or buy...

Monday, August 7, 2023

There are a few signs that you may want to consider switching banks:High fees: If you are paying high fees for services such as overdraft protection, account maintenance, or ATM usage, it may be worth considering switching to a bank...

Friday, August 4, 2023

Robinhood is a popular investment app that allows users to buy and sell stocks, options, and cryptocurrency. Here are a few things to consider when reviewing Robinhood:Commission-free trading: One of the main attractions of Robinhood...

Monday, July 31, 2023

Turning a hobby into an income can be a challenging but rewarding process. Here are a few steps you can take to turn your hobby into a source of income:Validate your idea: Before you start turning your hobby into an income, it is...

Friday, July 28, 2023

Paying off student debt can be a challenging task, but there are several options available to help you repay your loans:Standard repayment plan: The standard repayment plan is the default repayment option for most federal student loans...

Monday, July 17, 2023

Saving for a child's college education can be a major financial goal for many parents. Here are a few steps you can take to save for your child's college fund:Start early: The earlier you start saving for your child's college education...

Friday, July 14, 2023

Millionaires, like all individuals, have unique financial situations and saving strategies. However, there are some common themes that many millionaires follow when it comes to saving money:They live below their means: Millionaires...

Monday, July 10, 2023

Saving money can be a challenging task, but there are several tricks that can help you to cut costs and increase your savings. Here are ten tricks to save money:Make a budget: The first step in saving money is to understand where your...

Friday, July 7, 2023

There are many popular investment books that can provide valuable guidance and insights on investing. Here are a few examples:"The Intelligent Investor" by Benjamin Graham: This classic book, written by a mentor to Warren Buffett,...

Monday, July 3, 2023

Investing with a financial advisor can be a good option for those who want professional guidance and assistance in managing their investments. Here are some steps to follow when investing with a financial advisor:Research financial...

Friday, June 30, 2023

Investing can be a powerful way to grow your wealth over time, but it is important to approach it with a clear understanding of the risks and rewards involved. Here is a beginner's guide to investing:Set financial goals: The first step...

Monday, June 26, 2023

There are several ways that financial planning bloggers can make money, including:Sponsored content: Financial planning bloggers can earn money by creating sponsored content, which is content that is paid for by a company and features...

Friday, June 23, 2023

Getting out of credit card debt can be a challenging process, but there are several steps you can take to pay off your debts and regain financial control:Create a budget: The first step in paying off credit card debt is to understand...

Friday, June 16, 2023

Marcus by Goldman Sachs is a digital consumer bank offering a range of financial products and services, including high-yield savings accounts, certificates of deposit (CDs), and personal loans.Here's how Marcus by Goldman Sachs...

Monday, June 12, 2023

A mutual fund is a type of investment vehicle that pools together money from many investors and uses it to buy a diversified portfolio of stocks, bonds, or other securities. Each mutual fund is managed by a professional fund manager...

Monday, June 12, 2023

There are many bad money mistakes that people can make, and avoiding them can help you to better manage your finances and achieve your financial goals. Here are a few bad money mistakes to avoid:Not having a budget: A budget is a...

Friday, June 9, 2023

There are several ways to save money on groceries:Make a list: Before you go shopping, make a list of the items you need and stick to it. This can help you avoid impulse purchases and overspending.Shop sales and use coupons: Look for...

Thursday, June 1, 2023

There are many ways to make secondary income, depending on your skills, interests, and resources. Here are a few ideas:Freelancing: If you have a particular skill or expertise, you may be able to earn money by offering your services on...

Friday, May 26, 2023

Paying off $50,000 of debt in three years is a significant financial goal that will require careful planning and discipline. Here are some steps you can take to achieve this goal:Create a budget: The first step in paying off debt is to...

Monday, May 22, 2023

Artificial intelligence (AI) and machine learning (ML) are technologies that allow computers to perform tasks that normally require human intelligence, such as recognizing patterns, learning from data, and making decisions. These...

Friday, May 19, 2023

Open banking refers to the practice of allowing third-party developers to access financial data and build financial applications and services on top of the data. It has the potential to transform the financial industry by enabling the...

Monday, May 15, 2023

Data security is the practice of protecting data from unauthorized access, use, disclosure, disruption, modification, or destruction. It is important for organizations and individuals to prioritize data security because data is often a...

Friday, May 12, 2023

Banking customers may be required to share more personal data as a result of increased regulatory requirements and efforts to improve the security and efficiency of financial transactions.For example, banks may ask customers to provide...

Monday, May 8, 2023

Bitcoin is a decentralized digital currency that uses cryptography for security and is not controlled by any government or financial institution. It was invented in 2009 by an individual or group of individuals using the pseudonym...

Friday, May 5, 2023

The cloud refers to a network of servers that are connected to the internet and can be accessed remotely to store, process, and manage data. In finance, the cloud is used to store and access financial data, including transactions,...

Monday, May 1, 2023

A financial advisor can help with significant wealth inheritance by providing guidance on how to manage and invest the inherited funds. Here are a few specific ways in which a financial advisor may be able to help:Developing a...

Monday, April 24, 2023

There are several reasons why more people may be choosing to have their money professionally managed:Lack of time: Some people may not have the time or expertise to manage their own money, and may prefer to delegate this responsibility...

Friday, April 21, 2023

NerdWallet is a personal finance app that provides tools and resources to help users make informed decisions about their money. Here are some key features of NerdWallet:Credit card comparison: NerdWallet allows you to compare credit...

Monday, April 17, 2023

YNAB (You Need a Budget) is a personal finance management app that helps users create and stick to a budget. It offers the following features:Budgeting: YNAB allows you to create a budget by setting goals for your spending and tracking...

Friday, April 14, 2023

To use Mint, you first need to create an account and connect your financial accounts to the platform. This can be done through the mobile app or the website. Once you have connected your accounts, Mint will automatically import your...

Monday, April 10, 2023

EveryDollar is a personal finance app that is designed to help users create and manage a budget. Some key features of the EveryDollar app include:Budgeting tools: The app includes tools for creating and tracking a budget, including the...

Friday, April 7, 2023

Loyalty programs are designed to encourage customers to continue doing business with a company in exchange for rewards or benefits. These programs can be effective in driving repeat business for a number of reasons:Incentives: Loyalty...

Friday, April 7, 2023

There are many personal finance mobile apps available globally, each with its own unique features and capabilities. Some popular personal finance apps include:Mint: Mint is a free personal finance app that is available in a number of...

Monday, April 3, 2023

Personal finance apps can be a useful tool for managing and tracking your finances, but there are a few potential drawbacks to be aware of:Security risks: Personal finance apps handle sensitive financial information and may be...

Friday, March 31, 2023

Blockchain is a decentralized, distributed ledger technology that allows for secure and transparent record-keeping and transfer of digital assets. The financial services industry has been exploring the use of blockchain technology in a...

Monday, March 27, 2023

FIRE (Financial Independence, Retire Early) is a personal finance movement that focuses on achieving financial independence and retiring early. The goal of the FIRE movement is to save and invest a large portion of one's income in...

Friday, March 24, 2023

Stagflation is a combination of stagnant economic growth and high inflation. This can occur when an economy experiences a slowdown in growth and productivity, but prices continue to rise. Stagflation can be difficult to address because...

Monday, March 20, 2023

Working remotely may provide certain tax benefits, depending on your individual circumstances and the laws in your state. Here are a few tax benefits that may be available to remote workers:Home office deduction: If you are...

Friday, March 17, 2023

Inflation is the rate at which the general level of prices for goods and services is rising, and subsequently, purchasing power is falling. Central banks attempt to limit inflation and avoid deflation in order to keep the economy...

Monday, March 13, 2023

A bucket list is a list of things you want to do before you "kick the bucket" or die. Here are a few ideas for bucket list living:Travel: Visiting new places and experiencing different cultures can be a rewarding and enriching...

Monday, March 6, 2023

A tax deduction is an expense that is allowed to be subtracted from your taxable income, resulting in a lower tax liability. Here are a few common tax deductions:Charitable donations: Donations to qualified charitable organizations may...

Friday, March 3, 2023

Dave Ramsey, a financial adviser and radio show host, generally advises against taking out a car loan. He believes that paying cash for a car is a better financial decision because it allows you to avoid paying interest and reduces the...

Monday, February 27, 2023

In general, you are not allowed to use your 401(k) funds until you reach age 59 1/2 without incurring a penalty. However, there are a few exceptions that may allow you to use your 401(k) funds early:Hardship withdrawal: If you are...

Friday, February 24, 2023

A money market account and a savings account are both types of deposit accounts that are designed to help you save money and earn interest. However, there are a few key differences between the two:Interest rates: Money market accounts...

Monday, February 20, 2023

There are a number of ways you can invest ethically, depending on your values and financial goals. Here are a few options to consider:Socially responsible investing (SRI): SRI involves investing in companies that meet certain social...

Friday, February 17, 2023

Putting down a 20% down payment on a home is generally considered a good rule of thumb because it can offer a number of benefits. Here are a few reasons why putting down 20% on a home is important:To avoid private mortgage insurance...

Tuesday, February 7, 2023

The amount of cash you should keep in the bank depends on your individual financial situation and needs. Here are a few factors to consider when determining how much cash to keep in the bank:Your emergency fund: It's generally...

Friday, February 3, 2023

Saving 15% of your income is generally considered a good rule of thumb for retirement savings. Here are a few reasons why saving 15% of your income is important:To ensure a comfortable retirement: Saving 15% of your income can help you...

Monday, January 30, 2023

Here are a few steps you can take to overcome a financial crisis:Assess your situation: The first step in overcoming a financial crisis is to assess your situation and understand the root causes of your financial challenges. This will...

Monday, January 23, 2023

Here are a few steps you can take to save money:Set a budget: The first step to saving money is to create a budget that includes a line item for savings. Determine how much money you have coming in each month and how much you are...

Friday, January 20, 2023

Saving $100,000 in three years is a significant goal that will require careful planning and consistent effort. Here are a few steps you can take to reach this goal:Set a budget: The first step to saving $100,000 in three years is to...

Tuesday, January 17, 2023

Here are a few steps you can take to manage your money effectively:Create a budget: The first step to managing your money effectively is to create a budget. This will help you understand your financial situation and identify areas...

Wednesday, January 11, 2023

Here are a few steps you can take to get back on track with your finances:Create a budget: The first step to getting back on track with your finances is to create a budget. This will help you understand your financial situation and...

Sunday, January 8, 2023

Here are a few ways you can protect yourself from a stock market crash:Diversify your portfolio: One of the most effective ways to protect yourself from a stock market crash is to diversify your investment portfolio. This means...

Wednesday, January 4, 2023

An IRA (individual retirement account) is a type of personal savings account that is designed to help individuals save for retirement. There are two main types of IRAs: traditional IRAs and Roth IRAs.To open an IRA, you'll need to...

Wednesday, January 4, 2023

Personal Capital is a financial planning and wealth management firm that offers a range of financial services, including investment management, retirement planning, and financial planning. Some key features of Personal Capital's...

Sunday, January 1, 2023

Saving $5,000 in a year is a significant goal, but it is achievable with some planning and discipline. Here are a few steps you can take to save $5,000 this year:Set a budget: The first step in saving money is to create a budget that...

Thursday, December 29, 2022

Here are three easy steps for tracking your expenses:Gather your financial information: Start by collecting all of your financial documents, such as bank statements, credit card statements, and receipts. This will give you a...

Monday, December 26, 2022

Identify the expense: The first step in budgeting for a big expense is to identify exactly what you need to save for. This might be a down payment on a house, a wedding, a major home renovation, or another significant purchase...

Monday, November 7, 2022

Social Security is a government-run retirement and disability program that provides financial benefits to qualified individuals. Here are a few tips to help you get the most out of your Social Security benefits:Understand how Social...

Friday, August 19, 2022

As summer comes to an end and the excitement of a new school year begins, most parents dread the price tag associated with back-to-school shopping. And we don’t blame them! The amount of necessary supplies has climbed to new...

Monday, August 15, 2022

Despite progress toward financial planning and saving, women often face challenges regarding their financial security. These challenges can include more time away from the workforce (often caring for children or for parents), the...

Friday, August 12, 2022

As the struggle to control COVID-19 drags on, many of us experience periodic fatigue from distancing, negative headlines and future uncertainties. Staying disciplined when weary is difficult but crucial to short-term financial wellness...

Tuesday, August 9, 2022

When market volatility is headline news and account values start to fall, it’s easy to understand why investors get jittery. Even with a boatload of historical data to support us, in times of stress we all struggle to overcome...

Friday, August 5, 2022

Phew, what a roller coaster we’ve all been riding. There’s so much going on in the world right now, and a lot of it is less-than-happy news. Understandably, most of us have nagging worries about what’s going on in the...

Sunday, July 31, 2022

Good days and bad days are a fact of life in the market. Sometimes it’s up and we celebrate. But when it dips, we worry…and if it tanks, forget it: the first instinct for most of us is panic, and we wonder if we should just...

Monday, July 25, 2022

As the struggle to control COVID-19 drags on, many of us experience periodic fatigue from distancing, negative headlines and future uncertainties. Staying disciplined when weary is difficult but crucial to short-term financial wellness...

Friday, July 22, 2022

The person who first said “Don’t put off until tomorrow what you can do today,” didn’t understand the benefits of tax-deferred investing. This option allows you to defer paying taxes on investment returns until...

Friday, July 15, 2022

We know the market has experienced some volatility lately, which may provoke some anxiety when you open your most recent statement. It can be hard to stomach seeing some red in your account! But don’t be alarmed – changes...

Saturday, July 2, 2022

Like it or not, taxes are a way of life. They fund great things like roads, libraries and parks, but nobody wants to pay more than they absolutely have to. We often get questions like, “How can I balance my tax obligations with...

Wednesday, June 29, 2022

In light of recent worldwide events which have had significant impact on the markets, we wanted to proactively reach out to remind you that we are here to support you as we navigate these times of uncertainty. Knowledge is power, and...

Monday, June 20, 2022

For some households, student loan debt is their biggest monthly expense (after their mortgage). Chances are, these are people who borrowed $100,000 or more to earn an advanced degree, usually in law or medicine. If you or someone you...

Monday, June 20, 2022

Spring is in the air! That means so is baseball season, and for many of us, something else just as exciting: fantasy baseball leagues. But a common challenge for fantasy players is carving out the time to read through all the latest...

Monday, June 13, 2022

Wouldn’t it be nice if the stock market didn’t have such violent swings in either direction? Especially the dramatic downward plunges - we’d ALL like to avoid those! But the reality is, the markets include a certain...

Friday, June 10, 2022

The latest Consumer Price Index (CPI) report was recently released and confirmed what economists anticipated: consumer inflation has risen 7.9% over the past year, the largest spike since 1982— none of which is a surprise for...

Tuesday, June 7, 2022

It’s hard to ignore current news about persistent market volatility, and we’re guessing this has resulted in some anxiety about what (if anything) you should be doing. Please be assured that we are actively monitoring the...

Thursday, March 18, 2021

Tuesday, February 16, 2021

This video explains the important difference between someone that is a Fiduciary vs someone that is not. This video also discusses Real Professionals vs Non Licensed individuals that you find all over the internet. The perspective...

Tuesday, November 17, 2020

Feel free to check out my youtube video on Robo-Advising and some of the truths behind the concept. Hope you enjoy! Robo-Advising Youtube Link

Thursday, November 12, 2020

Hey Everyone, my latest blog post is below. I have been getting more and more questions about tax related accounts because of all the money that has been printed from Stimulus. Take a look! The person who first said “Don’t...

Monday, November 2, 2020

Hey Everyone, I wrote this blog! Hope you enjoy it... Feel free to share it with others There’s a great debate raging about what style of investment management is better, active or passive. And if you ask 10 different financial...