Why Electric and Gas Bills Are Going Up in Ramsey, NJ    And why the real reasons are less political and more structural.  If you live in Ramsey, you don’t need a lecture to know that something’s changed. Electric and gas bills are higher. Not a little. And not just when the weather swings.  This...Read More

Why Electric and Gas Bills Are Going Up   And why the real reasons are less dramatic than the headlines suggests. If your electric or gas bill feels higher than it used to, you’re not imagining it. For many households, the increase doesn’t align neatly with weather, usage, or lifestyle changes.  That’s because a large...Read More

The Market Will Fall. It’s Still Not Taking You Back to 1995       Fear never changes   The market is going to fall again. That isn’t a prediction. It’s a fact. Markets rise, markets fall, and every time they fall, it feels like this one is different. This one feels bigger. Scarier. More...Read More

The Tax Trap That Locks You Out of Your Own Equity   If you work for a company and part of your pay is in equity, you probably want the same thing your leadership team wants. You want the valuation to rise. You want the headline. You want the number to get bigger. But if...Read More