FORT LAUDERDALE/DAVIE, Fla. – This is the perfect time of the year to talk about finances, says nationally renowned economist Albert Williams, Ph.D., associate professor and acting chair of finance and economics at Nova Southeastern University (NSU)’s  H. Wayne Huizenga College of Business and Entrepreneurship. 

He says online shopping has made it even easier for people to overspend and be over budget. When you’re walking through a mall and have more packages than you can carry, it’s a sure sign that you’ve overspent.  Unfortunately, we don’t have that same “alert” when we’re ordering online.

Dr. Williams’ expertise is in personal finance, corporate finance, macroeconomics, microeconomics, and managerial economics. He has extensive experience working with both print and broadcast media. For background information on Dr. Williams, click HERE

Media interested in interviewing Dr. Williams are urged to contact Julie Spechler at 954-591-3361 or [email protected] .

Dr. Williams offers some tips to end 2018 on the upswing and some resolutions to keep your finances under control in 2019.

Financial recommendations for the end of 2018 (Tips)

  • Do NOT overspend for gifts, parties, travel, etc.
  • Do not borrow for the above and have to take all of 2019 or more to pay off the bills.
  • Last minute shoppers – stay on budget. 

Financial Resolutions for 2019 (Tips)

  • Keep a watchful eye on the economy!
  • Do not overpay taxes!
  • Take stock of your net wealth situation! Assets – Liabilities = Net Wealth
  • Take stock of your income situation. Income and expense.
  • Make plans, take action, and evaluate results!
  • Set financial goals and keep them.
    • Be specific. I will save $ 250 per month for the next 12 months.
  • Become more money smart. Get some financial education.
  • Learn from the experts. Get a financial coach, advisor - your money doctor. Everyone needs one!
  • Build financial confidence – get financial knowledge and make financial decisions with confidence.
  • Be smart when buying a car and/or a house.
  • Cut mortgage costs – make 1 more monthly payment per year to reduce 30-year mortgage by 9 years
  • Manage your credit better
    • Credit card - do not overuse – no maxing out!!!
    • Check your credit report carefully and fix any inaccuracies
  • Check on your insurance needs – life, health, and property.
  • Save, Save, and Save!!! – BUILD A CUSHION FOR RAINY DAY.
  • Invest, invest, and invest!!! – stocks, bonds, real estate, business, mutual funds, ETFs, etc.
  • Aging is a must! Do retirement planning from early.
  • Who is going to get what from your estate? Anyone over 50, please do not put this off!

Be sure to sign up for NSU’s RSS feed so you don’t miss any of our news releases, guest editorials and other announcements. Please sign up HERE.



About Nova Southeastern University (NSU): Located in beautiful Fort Lauderdale, Florida, NSU is ranked among U.S. News & World Report’s Top 200 National Research Universities and is a dynamic, private research university providing high-quality educational and research programs at the undergraduate, graduate, and first-professional degree levels. Established in 1964, NSU now includes 16 colleges, the 215,000-square-foot Center for Collaborative Research, a private JK-12 grade school, the Mailman Segal Center for Human Development with specialists in Autism, the world-class NSU Art Museum Fort Lauderdale, and the Alvin Sherman Library, Research and Information Technology Center, which is Florida’s largest public library. NSU has campuses in Fort Lauderdale, Fort Myers, Jacksonville, Miami, Miramar, Orlando, Palm Beach, and Tampa, Florida, as well as San Juan, Puerto Rico, while maintaining a presence online globally. Classified as a research university with “high research activity” by the Carnegie Foundation for the Advancement of Teaching, NSU is one of only 50 universities nationwide to also be awarded Carnegie’s Community Engagement Classification, and is also the largest private institution in the United States that meets the U.S. Department of Education’s criteria as a Hispanic-serving Institution. For more information, please visit

About the H. Wayne Huizenga College of Business and Entrepreneurship: Serving more than 2,800 students, NSU’s H. Wayne Huizenga College of Business and Entrepreneurship offers undergraduate and graduate degree programs in areas such as accounting, finance, human resource management, public administration, supply chain management and more. The college is housed in the five-story state-of-the-art Carl DeSantis Building on NSU’s main campus in Fort Lauderdale-Davie, Florida. Programs are also available at multiple locations and online. For more information, please visit: