Posts for Good Financial Cents -Jeff Rose Certified Financial Planner and Investment Advisor Carbondale Illinois


4 Ways to Increase Productivity 7000%

From Good Financial Cents -Jeff Rose Certified Financial Planner and Investment Advisor, Carbondale, Illinois
December 28, 2011 at 4:28 pm
To-do: Buy more post-itsI have a confession.  I suffer from a slight case of ADHD.In addition to that, I am scatterbrained to the umpteenth degree.From the outside looking in, ... (more)

The Behavior Gap – Interview with Carl Richards

From Good Financial Cents -Jeff Rose Certified Financial Planner and Investment Advisor, Carbondale, Illinois
December 27, 2011 at 3:47 pm
The Behavior GapThere aren’t many financial planners that I would feel comfortable calling a “visionary”.Carl Richards is one of them.When I first saw the sketch ... (more)

Top 10 Best (and Free) Online Budget Tools

From Good Financial Cents -Jeff Rose Certified Financial Planner and Investment Advisor, Carbondale, Illinois
December 22, 2011 at 8:09 am
In these tough economic times, many recognize the importance of financial planning.You want to ensure that your resources are directed to best effect, and that means creating a ... (more)

Slate from Chase Credit Card Review – With No Balance Transfer Fee and 0% APR

From Good Financial Cents -Jeff Rose Certified Financial Planner and Investment Advisor, Carbondale, Illinois
December 20, 2011 at 7:24 pm
If you knew you could use a credit card to finally get out of debt forever, would you be interested in learning more about it?The very thing that has cost you thousands in interest ... (more)

5 Ways to Get a Mortgage Without Private Mortgage Insurance (PMI)

From Good Financial Cents -Jeff Rose Certified Financial Planner and Investment Advisor, Carbondale, Illinois
December 20, 2011 at 8:25 am
Avoid PMIWhen we were in the process of building our dream home, we pretty well expected to go over budget.Knowing this we tried to cut expenses as much as we could.  The one ... (more)

How Getting Courage to Say “No” Saved My Financial Life

From Good Financial Cents -Jeff Rose Certified Financial Planner and Investment Advisor, Carbondale, Illinois
December 19, 2011 at 8:21 am
How many times have you been faced with a financial decision where afterwards you regret saying, “Yes”?Too many, right?We’ve all been there; me included.There ... (more)

Soon Retired But Short on Savings? Try a Small Business.

From Good Financial Cents -Jeff Rose Certified Financial Planner and Investment Advisor, Carbondale, Illinois
December 18, 2011 at 12:01 pm
Open for businessBaby-boomers with retirement within their grasp were the biggest losers in the Great Recession.Whether you had an Individual Retirement Account or a 401(k), ... (more)

7 Things You MUST Know About the Roth IRA for 2012

From Good Financial Cents -Jeff Rose Certified Financial Planner and Investment Advisor, Carbondale, Illinois
December 16, 2011 at 1:31 pm
Does your Roth IRA measure up?When you’re at the point in your life where you are adding to your Roth IRA in order to help plan for a stable and enjoyable retirement, it makes ... (more)

Never Say Never! Yes, You Can Graduate College Debt Free. Here’s How….

From Good Financial Cents -Jeff Rose Certified Financial Planner and Investment Advisor, Carbondale, Illinois
December 15, 2011 at 8:28 am
Debt Free Baby!I graduated from college with $0 in debt.Let that sink in a little.Powerful isn’t it?  With Occupy Wall-Street protests, college graduates moving back home, ... (more)

When Are Your 2011 Taxes Due? Tax Filing Deadline in 2012

From Good Financial Cents -Jeff Rose Certified Financial Planner and Investment Advisor, Carbondale, Illinois
December 13, 2011 at 8:20 am
Don't miss the deadline!If you are like 40% of the population, you will file your tax return as soon as you possibly can in order toA) get it over with and/or B) receive your ... (more)

Should You Buy Life Insurance Through Your Employer?

From Good Financial Cents -Jeff Rose Certified Financial Planner and Investment Advisor, Carbondale, Illinois
December 12, 2011 at 8:48 am
If your job offers a group life insurance plan, then it makes sense to just take a policy through them, right?It’s easy.It’s cheap.But is it really the right thing ... (more)

What is Investment or Asset Management and How to Protect it

From Good Financial Cents -Jeff Rose Certified Financial Planner and Investment Advisor, Carbondale, Illinois
December 10, 2011 at 2:08 pm
Asset ProtectionHave you ever wondered if what your investing in is the right thing for you? If you have you are asking about investment management.Investment management is the ... (more)

Prosper Review – Investing with a Peer to Peer Lender

From Good Financial Cents -Jeff Rose Certified Financial Planner and Investment Advisor, Carbondale, Illinois
December 8, 2011 at 8:11 am
Investing With ProsperAre you looking for higher rates of return than you can earn on certificates of deposit, online savings accounts, and bonds?If you are willing to accept ... (more)

How to Apply The Crossfit Principles to Achieving Your Goals

From Good Financial Cents -Jeff Rose Certified Financial Planner and Investment Advisor, Carbondale, Illinois
December 7, 2011 at 1:29 pm
You say you give it everything you got, but do you really?When times get hard and it starts to get uncomfortable, do you quit?  And try to convince yourself that you really did ... (more)

Who Wants Free Stuff? iPad 2, Kindle Fire, and Nook Giveaway!

From Good Financial Cents -Jeff Rose Certified Financial Planner and Investment Advisor, Carbondale, Illinois
December 1, 2011 at 5:30 am
Ho! Ho! HO! Merry Christmas! It’s giveaway time at Good Financial Cents.Who doesn’t like a giveaway?Well, this is special giveaway for a few reasons:1. This is my first ... (more)

Why I Gave Up $36,000 a Year So I Could Write THIS….

From Good Financial Cents -Jeff Rose Certified Financial Planner and Investment Advisor, Carbondale, Illinois
November 30, 2011 at 9:00 am
It all started in July 2008, when my blog, Good Financial Cents, was born.I’ve always had a passion for educating people on the basics of investing and financial planning and ... (more)

How Discipline Played an Important Role in My Evolution from an Employee to Entrepreneur

From Good Financial Cents -Jeff Rose Certified Financial Planner and Investment Advisor, Carbondale, Illinois
November 29, 2011 at 4:24 pm
Mobile OfficeThis post is not about the latest investment advice or a breakthrough trend in personal finance, rather a reflection of my evolution from a Corporate professional ... (more)

Should You Buy a Timeshare Now?

From Good Financial Cents -Jeff Rose Certified Financial Planner and Investment Advisor, Carbondale, Illinois
November 29, 2011 at 8:50 am
Timeshare worth it? When I was in college, one of my roommates’ parents had a timeshare.They weren’t going to use it one of the weekends it was their “turn,” ... (more)

Why a Good Home Appraisal is Important

From Good Financial Cents -Jeff Rose Certified Financial Planner and Investment Advisor, Carbondale, Illinois
November 26, 2011 at 1:19 am
How much is your home worth?A good home appraisal is one of the most important components of getting approved for a mortgage.This appraisal ultimately decides just how much a ... (more)

Choosing a Credit Union

From Good Financial Cents -Jeff Rose Certified Financial Planner and Investment Advisor, Carbondale, Illinois
November 23, 2011 at 8:03 am
Bank or credit union?In the last few years credit unions have seen a steady increase in customers and deposits.A local credit union that I was affiliated with saw their total ... (more)

How to Throw a Kick A$$ Conference and Get All The Cool Kids To Show Up

From Good Financial Cents -Jeff Rose Certified Financial Planner and Investment Advisor, Carbondale, Illinois
November 22, 2011 at 8:35 am
A year after graduating high school, I remember throwing one of the biggest parties while my mom and step-dad were out of town one weekend.   There were tons of people and for ... (more)

How to Raise Your Credit Score Over 110 Points in Less Than 5 Months

From Good Financial Cents -Jeff Rose Certified Financial Planner and Investment Advisor, Carbondale, Illinois
November 21, 2011 at 8:42 am
Raise Your Score Fast!A previous intern of mine, Kevin, was oblivious to what his credit score was. His parents had always told him to not open a credit card in fear that he would ... (more)

Getting Denied For a Mortgage Was the Best Thing That Happened to Me

From Good Financial Cents -Jeff Rose Certified Financial Planner and Investment Advisor, Carbondale, Illinois
November 18, 2011 at 10:30 pm
The Worst Best Thing...I‘m a sucker for an uplifting personal finance story.We’ve all gone through a situation in our life where it feels like you got punched in the ... (more)

The Must Read Property Guide to Buy Foreclosed Homes and Make Money…Serious Money

From Good Financial Cents -Jeff Rose Certified Financial Planner and Investment Advisor, Carbondale, Illinois
November 16, 2011 at 8:29 am
This is the 2nd installment from my buddy Eric Moorman, who I consider to be a real estate investing genius. Be sure to check out his first post “How I make $250,000 a year ... (more)

What is a Bond?

From Good Financial Cents -Jeff Rose Certified Financial Planner and Investment Advisor, Carbondale, Illinois
November 15, 2011 at 9:58 am
Abond is a loan. That’s it. You loan your money to a Government or a Corporation and they promise to repay you the money you lent to them at a certain date in the future.To ... (more)