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Welcome to my blog!

Posted by Cheryl Costa  July 2, 2008 04:45 PM

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Hi! My name is Cheryl Costa and I am a Certified Financial Planner (TM) and a Principal Advisor with Family Financial Architects, Inc. Welcome to my personal finance blog!

One of the primary goals of this blog is to answer your personal finance questions:

Should I pay down my credit card or save for the future?
When should I consider refinancing my mortgage?
What is the difference between a Traditional IRA and a Roth IRA?
Should I roll over my old 401(k) to an IRA?
Am I saving enough for retirement?
What are the best ways to save for college?

So, send me your questions and I'll answer them right here in the blog.

When I'm not answering your questions, I will be blogging about personal finance issues. My goal is to keep you up-to-date on what practicing investment and financial professionals are thinking and recommending. Hopefully, you will pick up information that will improve your financial life every time you visit.

This blog is not written or edited by or the Boston Globe.
The author is solely responsible for the content.

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Local finance professionals share insights and advice on issues such as budgeting, managing debt, and retirement planning.

About the contributors

D. Abraham Ringer is a CERTIFIED FINANCIAL PLANNER practitioner and a Financial Adviser with Morgan Stanley Global Wealth Management in Boston. He is registered in MA, NH, NY and several other states to which his articles are directed. For more information please visit
Financial Planning Association™ of Massachusetts has 900 members who specialize in the financial planning process. Many of its members engage in philanthropic pro bono work in their communities, recommend legislation, elevate public awareness, promote financial literacy, and advocate for sound economic and tax policies.
Odysseas Papadimitriou is the founder of, a credit card and gift card marketplace, and, a personal finance site. He has more than 13 years of experience in the personal finance industry, and previously served as senior director at Capital One.

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