How many AIG executives, Merrill Lynch financial managers, and Lehman Brothers bankers are likely to buy an apartment on Park Avenue or a house in the Hamptons this year? The answer: not enough. Anyone on Wall Street or even Main Street knows that the financial sector in the United States has never been uglier. Executives saw their net worth eviscerated and even completely obliterated.

But the woes of Wall Street will cause a ripple effect on most American consumers. This is not only because the $700 billion bail-out will cause the dollar’s value to decrease and taxes to rise, the...

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Don’t you love it when you get that order of French fries and find an onion ring in the container? What about getting an extra soda from the vending machine? Free things tend to make your day or at least make the moment. Why not keep the spirit alive in your investment strategy?

My friend Chris Hubinsky and I recently formed an investing company called H&L Ventures, Ltd. Our goal for the first few years is to build a strong portfolio with a...

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The one word you should keep in mind when choosing a financial adviser is "fiduciary", it basically refers to someone who puts your financial interest above his own. This characteristic is essential in the world of money because you will be entrusting your fortune and your financial future to the adviser you choose.

It can be challenging to find genuine fiduciaries because in most cases, advisers have a certain "suitability" standard wherein they provide an appropriate return on your investment. Take note of the word "appropriate" because most advisers are unlikely to stress themselves out in finding the "best"...

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Have you ever gone into a store and were blatantly ignored? You wanted quality service but instead the worker only cared about his task at hand or his personal issues. This is very frustrating! Have you ever done the same thing to a user of your product or service? It is very easy to lose focus of the customer while doing the work or even during project management.

Project management possesses a very high level of responsibility and requires constant multi-tasking. All...

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Remember getting that first credit card? It would be used strictly for emergencies. None of those ever really popped up, and you got a letter in the mail last month saying that you credit limit just doubled. All of a sudden temptations start to resemble emergencies.

Getting a pair of shoes, going out to dinner, going to a concert or buying a CD all of a sudden become easier and easier. This is free money! I...

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