General

folded wallet in a vice grip

COMMENTS ON: “IS THE FED TIGHT, OR NOT?”

Much has been made of the Federal Reserve Bank’s fight against inflation. Initially thinking that inflation was “transitory,” the Fed was late in raising interest rates (their main tool to rein in inflation). For most of the previous 15 years, the Fed rate was at 0%. When they began bumping it up, they didn’t stop until the rate was well over 5.0% —one of the most dramatic rate increases in history. So economic conditions are much tighter now, right? As…

0
Read More
Person's hand holding a samsung phone showing apps screen

PERSONAL FINANCE APPS

Having an easy to manage spending plan is the cornerstone for financial success. It’s important to know your cash inflows and outflows so that you make the most of your hard-earned money. Knowing how much you spend on categories like groceries, eating out, or gas can help you identify areas where maybe you are spending too much. Then, you can direct funds towards something else that has greater importance to you, such as saving for retirement, a new home, or…

0
Read More

AI OR HUMAN FINANCIAL ADVISORS?

Artificial intelligence (AI) made a dramatic appearance in 2023. As often happens with hot topics, an initial flurry of attention on AI kicked off a cascade of articles, podcasts, interviews, and commentaries on how AI would transform society. This led to a frenzy of buying from investors hoping to cash in on the AI gravy train. While AI is likely to have a significant impact on business, science, and society over the next few decades, we’ve been pondering how it…

0
Read More
Paperback book with white background.

BEYOND THE GRAVE BY JEFFREY L. CONDON

Planning your estate is complicated—both technically and emotionally. This is something that you only do once. How do you make sure you get it right? To start, get educated. Learn time-tested strategies for preserving assets, reducing estate taxes, and giving money in the best way to beneficiaries. Recently, a client asked if we could recommend some books on estate planning. We didn’t know any off the top of our heads, so Jonathan did some online sleuthing, and he found “Beyond…

0
Read More
Question marks in thought bubbles

WHAT ARE NORMAL INTEREST RATES?

For the last 15 years since the Financial Crisis in 2008 interest rates as set by the Federal Reserve Board (Fed) have been at or near 0%. Home buyers got used to mortgage rates under 3% much of the time. Savers also, grudgingly, put up with paltry rates on their money market accounts, bond funds, and certificates of deposit. Now that the Fed has increased their interest rate from 0% to over 5% to combat inflation, rates have risen in…

0
Read More
Blue book cover - I'm Dead, Now What?

“I’M DEAD, NOW WHAT?” BY PETER PAUPER PRESS

The death of a loved one is emotional, stressful, and can put such a huge strain on those left behind. Why not be prepared for the inevitable? “I’m dead, Now What?” is an excellent workbook to help you prepare your loved ones for your passing. This book walks you through gathering all the information your loved ones will need to take care of your belongings, financial or business affairs, and your wishes. Instead of leaving them panicking or arguing over…

0
Read More
Person holding a box labeled Donate.

CAN YOU MAKE QUALIFIED CHARITABLE DONATIONS FROM YOUR IRA?

The last few months of the year are when many people make charitable donations. Did you know that those who are over 70½ may make this donation from their IRA account (also known as a qualified charitable donation (QCD))? Instead of sending a charitable donation via check from your bank account, request that a check be sent out from your IRA to your chosen charity. Why Should I Make a Charitable Donation From my IRA? There are several different benefits…

0
Read More
Man pulling a $50 and $20 bill out of wallet

HOW TO AVOID A SPENDING HANGOVER AFTER THE HOLIDAYS

The holidays can be an expensive time of year. Between trying to please everyone and buying for everyone, your finances may suffer. Here are 6 tips to make the gift buying season easier for your wallet and your stress level. Make a list and stick to it. Make a list of all the people you need to buy for this year, set a spending limit for each gift, and then follow it! It is never too early to start a…

0
Read More
Group of people piling hands in the middle of them

JOURNEY TREE SUPPORTS

JourneyTree believes that to be part of your community, you must support your community. That’s why, over the last several decades, we have been a proud supporter and sponsor of many local organizations: Friends of Trees For the last several years, JourneyTree has been a sponsor and participant in planting trees around Eugene. Since 1989, Friends of Trees has planted over 946,000 trees and shrubs throughout the Pacific Northwest. They do more than plant trees, however, they also have a…

0
Read More

JourneyTree Plants Trees!

On April 9th JourneyTree sponsored and took part in planting trees with Friends of Trees. The weather was perfect, just a bit overcast without any rain and the JourneyTree team (along with a few JourneyTree clients) planted trees along Willamette & 15th as well as 15th and Charnelton. A total of 49 trees were planted around the city that Saturday, including many at Charlemagne Elementary School. We all enjoyed it and are looking forward to our next tree planting –…

0
Read More