Joy's Dollars & $en$e Blog

Five Important Tips for Filing Your 2006 Taxes
1. Take the telephone tax refund IMPORTANT- Everyone who is a long distance customer is entitled ...
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Posted by Joy Schmidt Francis at
3/18/2007 11:45 AM | View Comments (0) | Add Comment | Trackbacks (0)
What Investment is Best?
As I said before, my answer to any financial question is it depends! Continuing where I left off in my last posting, once you know what you are going to do with the earnings and/or gains from the investment, what your time frame is, and what your risk tolerance is, the savvy investor will want to . . .
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Posted by Joy Schmidt Francis at
9/15/2006 9:04 PM | View Comments (3) | Add Comment | Trackbacks (0)
To Drip or Not to Drip
Last night I was at the hospital when someone asks me the famous question, “what the best investment?” All of my students know that if I am asked any financial question I will always give the same answer. “It depends.” First, you need to know: what are your personal financial objectives and the timetable for these objectives. Second, you need to know what your risk tolerance level is. This will give you . . .
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Posted by Joy Schmidt Francis at
9/7/2006 9:49 PM | View Comments (0) | Add Comment | Trackbacks (0)
The 50-year Mortgage – True or False
When I first heard someone talk about a 50-year mortgage I thought they were kidding. Then someone explained that the 50-year mortgage allowed them to buy a bigger home. My question is, is the bigger home worth the extra cost?
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Posted by Joy Schmidt Francis at
9/4/2006 6:26 PM | View Comments (4) | Add Comment | Trackbacks (0)
Free, what does it mean?
When you are told you’ll get something for free, what is your typical reaction? That’s a good deal or what a deal, or free, what ever it is I want it.
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Posted by Joy Schmidt Francis at
8/9/2006 3:12 PM | View Comments (0) | Add Comment | Trackbacks (0)
What did yesterday cost?
When you read that question did you think about how much cash you spent yesterday? Or how much your local government spent? Or the bills you need to pay, but didn’t have enough money to cover? Or the bills you paid?
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Posted by Joy Schmidt Francis at
8/4/2006 4:04 PM | View Comments (3) | Add Comment | Trackbacks (0)