Category Archives: Uncategorized

Life is Simply a Series of Events

Posted on May 9, 2016 by Trevor Hammond

  A while back I flew to Dallas to spend some time with my mentor and a few colleagues around the country talking about business, money, and life. One of the most powerful thinking exercises I took from our discussions … Continue reading →

Posted in Uncategorized | Leave a comment

Pre-Qualification vs Pre-Approval

Posted on May 3, 2016 by Trevor Hammond

The mortgage industry is full of insider buzz words that seem to have been created to beguile all but the most seasoned insiders, in fact this topic trips up even veterans of 20 years and more; Pre-qualification and Pre-approval. This … Continue reading →

Posted in Uncategorized | Leave a comment

The Surprising Reasons People Refinance Their Mortgages

Posted on April 27, 2016 by Trevor Hammond

  A recent study of homeowners who have refinanced their mortgages shed some fascinating results: 78% of those who have refinanced in the past did it for “Life Cycle Factors”, as opposed to just 22% trying to take advantage of … Continue reading →

Posted in Blind Spot 1: Developing a Plan, Blind Spot 2: Increasing Fiscal Literacy, Blind Spot 3: Storing Money Efficiently, Uncategorized | Leave a comment

First Step to Borrowing SMART

Posted on April 18, 2016 by Trevor Hammond

If you’ve ever met with a trusted Financial Advisor, one of their favorite questions is, “What is your risk tolerance?”  It just so happens that this is also where we begin our strategic planning and advice for homeowners when using … Continue reading →

Posted in Blind Spot 1: Developing a Plan, Uncategorized | Leave a comment

The Definition of Stress

Posted on April 4, 2016 by Trevor Hammond

I recently shared this with my team: Stress is the gap between what we expect and what actually happens. When you constantly compare your results (the “actual”) with your expectations (the “ideal”), you will continue to find yourself frustrated and … Continue reading →

Posted in life, Uncategorized | 1 Comment

Here Comes That Taxing Feeling

Posted on March 28, 2016 by Trevor Hammond

Being a homeowner in terms of income tax, can for many be a source of relieving some of that tax burden. While I am certainly not a licensed tax professional and recommend that you seek the advice of one to … Continue reading →

Posted in Blind Spot 2: Increasing Fiscal Literacy, Uncategorized | Leave a comment

Helping Your Child Set Up a Budget

Posted on March 8, 2016 by Trevor Hammond

Nobody really likes the big “B” word…budget. Budgeting isn’t typically fun, and many adults struggle with budgeting.  Unfortunately our children will learn a lot about money from us, so if we aren’t good at budgeting and handling our personal finances … Continue reading →

Posted in Uncategorized | Leave a comment

The Two Keys to Lifelong Success and Happiness

Posted on February 29, 2016 by Trevor Hammond

Yes, there may be many “keys” to being happy and feeling a sense of success or accomplishment, but these are the two that have helped me the most.  I hope they are already familiar to you, and that this is … Continue reading →

Posted in Uncategorized | Leave a comment

How to Prioritize Your Cash Flow

Posted on February 22, 2016 by Trevor Hammond

When it comes to planning your mortgage, the first mistake people make is not realizing that the real discussion must first be about money.  More specifically, cash flow.  “We live lives of cash flow,” is something I say nearly daily … Continue reading →

Posted in Blind Spot 3: Storing Money Efficiently, Uncategorized | Tagged , , , , , , , , , , , | Leave a comment

A Fable About Refinancing

Posted on February 16, 2016 by Trevor Hammond

Diane walked into the house, setting down her things in the kitchen after a long day at work.  “Did you hear that rates have dropped?  Should we be looking into refinancing?” Her husband Jack replied, “Yes, I did.  Some people … Continue reading →

Posted in Blind Spot 1: Developing a Plan, Uncategorized | Tagged , , , , , , , | Leave a comment