Savvy stock market investors quickly learn not to get too excited when prices go up and not to get too depressed when prices drop. Wall Street has proven itself to be cyclical in nature. Recognizing trends in the market can help us to become better and smarter investors. December gives us a perfect point to…
Even though 20 years of the average American’s life will be spent in retirement, most of us have not taken the time to figure out what we need to support ourselves during those years. If residents of Laguna Beach stay true to the national average, about 30 percent of them do not take advantage of retirement plans,…
If you’re in search of the perfect wave this December, try our top picks for 2015. You may have to leave Laguna Beach, but you won’t have to break the bank. Puerto Escondido, Mexico Sri Lanka Morocco Northern Peru Uruguay Thailand Puerto Rico Bali Nicaragua Baja California 1. Head to Puerto Escondido, Mexico, for easy waves…
For better or for worse, our credit worthiness is judged by our credit scores. A low credit score can mean a higher interest rate on a car loan or a credit card. Because all debt is not the same, making payments promptly each month may not improve a credit score for someone carrying only credit…
Autumn 2015 is certainly an exciting time for wine drinkers. If you notice any differences in the wine lists at your Laguna Beach haunts this November, the following trends may be responsible. Early harvest The natural wine trend Is California wine peaking? The rise of Cabernet Franc Coravin wine extraction This November, you may notice…