Monthly Archives: June 2016

The Third Step in Borrowing SMART

I always explain to new clients that there are two conversations we must have: What CAN you do? Then, what SHOULD you do? In this third step, this means first discussing what you CAN borrow.  Or put another way, finding … Continue reading

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The Second Step to Borrowing SMART

Once you are clear on the First step to making SMART borrowing decisions when it comes to financing your home, it is time to learn the second step:  PAYMENT. Put as a financial planning question, it means “How do I repay my … Continue reading

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Should You Pay off Your Mortgage Faster?

For nearly two decades now, I have seen too many homeowners paying extra toward their mortgage without first having sufficient cash in the bank to weather unforeseen financial problems or while carrying other high-interest consumer debt.  The hard truth for … Continue reading

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Saving for Retirement and College

It’s that time.  June… a lot of folks are getting ready to send their high school graduates off to college.  If you plan to pay for your child’s college education, how can you possibly save for retirement and your child’s college … Continue reading

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Wealth & The House

“Every person who invests in well-selected real estate in a growing section of a prosperous community adopts the surest and safest method of becoming independent, for real estate is the basis of wealth.”  – Theodore Roosevelt Real estate appreciation has … Continue reading

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Will My Clients Remember Me?

If I was gone tomorrow, would my clients remember me?  Would they really care?  Or would they simply move on to another mortgage lender and take with them the perception that it will be the same? Or, would they attend … Continue reading

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