ARCHIVED BLOG POSTS

2012 

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In this housing market, many sellers wonder if it is worth selling their property now, or if the return on their investment will be higher if they wait.   People are asking the same question in terms of college education.   In these economic times, with student loan debt topping $1 trillion dolla...
08/29/2012

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Negative equity – owing more on your mortgage than what your house is worth – has negatively affected homeowners over the past six years. Families have dug into their retirement savings in order to afford their properties and avoid foreclosure. For the first time in years, negative equity has sha...
08/28/2012

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Small costs can add up.  For example, when renovating your home, a quick paint touch-up or new curtains may not seem like much money, but as the projects start piling up, you could be spending thousands of dollars. You can find ways to save on seemingly cheap expenses that, in the long run, will ...
08/27/2012

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  Everyone is looking to save money. Whether it be negotiating loan contracts or the cost of a house, a client will do their best to get the most bang for their buck. Companies do the same thing, but some of their tactics could affect you in a negative way.  Many companies cut corners in order to...
08/23/2012

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Death is a scary conversation. However, not discussing life insurance can end up with even scarier consequences. A lack of life insurance could leave your mourning family without a way to pay for your funeral, bills, or mortgage after your death. A good life insurance policy prevents scrambling f...
08/22/2012

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Struggles happen. Unpredicted losses such as unemployment, losing a spouse or an unexpected illness can drain away your savings for retirement or a home.  How do you start over when an emergency situation arises?  Here are 3 steps to start rebuilding your savings: 1. Set a budget: Allocate where ...
08/22/2012

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There are always options available to make an expensive purchase cheaper.  For example, a client on a tight budget can forgo the McMansion he was eying in exchange for a smaller house on a bigger lot, allowing potential to expand if need be.  For those of us who have children, you know how expens...
08/21/2012

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  Gathering the funds needed for a down payment takes a lot of work. Buying a house may be the biggest purchase a lot of people make. But with rising college costs, sending a child to college is a close second.  While you have to take out loans and hire lenders when financing a house, your child ...
08/17/2012

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Before a client approaches the closing table, it’s important for them to know and understand the various closing costs (such as assignment fees, flood certification fees, etc OR for a full list of estimated closing costs, read our post here) so that they aren’t blind sided with a closing settleme...
08/16/2012

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  We’ve all had clients that experience the rent vs. buy debate. They want to become a homeowner, but can’t necessarily afford it, so they rent until they save up the money for their own house.  This same logic can be extended beyond the housing market. Some items are perfect candidates for renti...
08/15/2012
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