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Why Is the Stock Market Going Up?

Why Is the Stock Market Going Up?

Blog“Why is the Stock Market Going Up?" Despite record unemployment levels and economic uncertainty that we haven’t seen since 2008, the stock market continues to rally from it’s lows in late March.  From January 1st, 2020 to March 23rd, 2020 the S&P 500 index was...

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Realities of Recessions

Realities of Recessions

Blog“Realities of Recessions”   With everything going on we have heard the term “recession” get thrown around a lot over the past couple of months.  So, what exactly is a recession and how do we determine if we are in one?  Historically, the definition of a recession...

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Year End Financial Considerations

Year End Financial Considerations

“Year End Financial Considerations" It’s crazy to think we are 3 weeks from the end of 2019 but that is reality.  Amidst the Thanksgiving hangover, staying focused at work, and getting Christmas shopping completed, it can be easy to let other areas of your life take a...

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When Should I Re-Finance My Mortgage?

When Should I Re-Finance My Mortgage?

“When Should I Re-Finance My Mortgage?" Everybody loves to save money, and since we are in a period of unprecedentedly low interest rates, the shiny object of refinancing can be an attractive proposition.  But how do you know whether refinancing makes sense for your...

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3 Weeks of Thankfulness: Week 3

3 Weeks of Thankfulness: Week 3

“3 Weeks of Thankfulness - Week 3" If you follow along with our blog on a weekly basis you will know that we have been focusing on the idea of Thankfulness and how it can impact our financial situation.  If you haven’t had a chance to follow along, then check out week...

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3 Weeks of Thankfulness: Week 2

3 Weeks of Thankfulness: Week 2

“3 Weeks of Thankfulness - Week 2" We are in week 2 of our 3-week series on Thankfulness as we lead into the Thanksgiving holiday.  If you recall in Week 1 we focused on how thankfulness can produce patience, which is a great trait when it comes to our personal...

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3 Weeks of Thankfulness; Week 1

3 Weeks of Thankfulness; Week 1

“3 Weeks of Thankfulness - Week 1" As we approach the Thanksgiving holiday in the USA, what better way to lead into it than to talk about thankfulness and personal finance!  If that doesn’t get your engine revving, then I don’t know what will.  Ok, so maybe there is a...

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A Checklist as you Approach Retirement

A Checklist as you Approach Retirement

“A Checklist as you Approach Retirement"Retirement Planning can be a tricky and complex landscape.  As you close in on retirement it’s vitally important that you have your “ducks in a row” and do everything you can to ensure you are set up for...

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Roth IRA Conversions for High-Income Earners

Roth IRA Conversions for High-Income Earners

“Roth IRA Conversions for High-Income Earners"Firstly, I’m amazed we are already in November!  It seems like 2019 just started, but alas we are only 2 months away from entering an entirely new decade.  As we think about how quickly time flies,...

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Does It Matter When Booms and Busts Occur?

Does It Matter When Booms and Busts Occur?

“Does it Matter when Booms and Busts Occur?"For my grandparents it was the Great Depression and then an economic boom from the second World War.  For my parents it was the savings and loan crisis and the subsequent tech growth and dot-com...

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New Credit Cards for Student Loan Borrowers

New Credit Cards for Student Loan Borrowers

“New Credit Cards for Student Loan Borrowers"This past week, Sallie Mae (a student loan lender and servicer) came to market with three new credit cards geared toward college students and recent graduates.  Yes, you read that correctly.  People...

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What Does GE’s Pension Freeze Mean?

What Does GE’s Pension Freeze Mean?

“GE's Pension Freeze Highlights the Need for Financial Planning" This past week, GE announced that it is freezing pensions for 20,000 employees with salaried benefits in attempts to reduce its pension deficit which is already $8 Billion!...

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What the Released Navient Memo Means

What the Released Navient Memo Means

“What the Released Navient Memo Means"For those that don’t know, Navient is one of the nations largest student loan servicers and currently manages over $300 Billion in in student loans for more than 12 million borrowers.  In June 2010 there was...

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Uncertainty is the Only Certainty

Uncertainty is the Only Certainty

“Uncertainty is the Only Certainty"If you keep up with the news on a daily basis, it’s hard not to notice the constant fluctuation and turmoil on a geopolitical and financial front.  Whether it is escalating trade tensions, Brexit, decreasing...

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Whatever You Do, Talk to Someone

Whatever You Do, Talk to Someone

“Whatever You Do, Talk to Someone"In an April 2019 study conducted by TransAmerica Center for Retirement Studies, the comfort level of retirement conversations across three generations was surveyed.  What was found is that retirement is a family...

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What to Consider when Buying a House

What to Consider when Buying a House

“What to Consider when Buying a House"It’s the American Dream, right?  Buying a home seems to be a rite of passage in the United States.  A move that will take you from pretending to be an adult to actually being one.  At least, that is what so...

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How is my Credit Score Calculated?

How is my Credit Score Calculated?

“How is my Credit Score Calculated?"Many people live and die by their credit score and do everything humanly possible to improve it.  Others take a more passive approach and just try to ensure they pay off their credit card every month and trust...

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You are that Person

You are that Person

“You are that Person"Several years ago, I was walking near Times Square in New York City. As I walked down the street, I noticed an older man standing on the corner. He was well dressed, suit and tie, long coat, and holding a brown paper bag. As...

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Retirement Survey Across Generations

Retirement Survey Across Generations

“Retirement Survey Across Generations"The definition of retirement is changing.  Baby Boomers are starting a new trend that says retirement might not mean sitting around and doing nothing.  In fact, for most, it is an opportunity to simply have...

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A Week in Atlanta, GA on a $57,000 Salary

A Week in Atlanta, GA on a $57,000 Salary

“A Week in Atlanta, GA on a $57,000 Salary"I’ve been interested in personal finance blogs and money diaries for some time now, but I find what Refinery29 does particularly insightful and helpful.  On a consistent basis, their readership...

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The Intersection of Minimalism and Finance

The Intersection of Minimalism and Finance

“The Intersection of Minimalism and Finance"The idea of minimalism seems to have gained momentum over the past decade.  From personal experience, I can say it has been a rewarding and interesting journey for our family and I can see why the...

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New Under-The-Radar Retirement Account

New Under-The-Radar Retirement Account

“New Under-The-Radar Retirement Account"For years, the term “Roth” was held just for Individual Retirement Accounts (IRA’s).  However, the 401K and Roth IRA have birthed a beautiful child called the “Roth 401K” that a lot of companies are...

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The Rise of Coffee Shaming for Millennials

The Rise of Coffee Shaming for Millennials

“The Rise of Coffee Shaming for Millennials"Frankly, as a millennial myself, I’m tired of hearing about how our $5 coffees are the sole culprit that is putting us behind the eight ball for purchasing a home, saving for our kids college, or being...

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Your Goals > Stock Market Movements

Your Goals > Stock Market Movements

“Your Goals > Stock Market Movements"Let’s face it, the stock market can be a very scary place.  Even if the market is moving up, there seems to be constant headlines about when our next recession will be or what events will lead to a “major...

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Van Gelder Financial

150 Whitestone Court

Johns Creek, GA 30097

Phone: 678-587-5880 |  800-257-1294

Email Ray

2897 North Druid Hills Road, Suite #196

Atlanta, GA 30329

Phone: 470-736-8931

Email Tony

Curious to know more?

We offer a free 30 minute introductory call for those interested in becoming clients with Van Gelder Financial.  During this call we will ask a lot of questions and answer any that you may have to ensure there is a match.

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