Tag Archives: Mortgages

Liquidity versus Home Equity

When learning how to apply financial planning concepts to the world of real estate and mortgages, there can be a bit of a learning curve.  But once grasped, a homeowner can feel extremely empowered and confident in the decisions they … Continue reading

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The House versus Home Conversation

One of our favorite discussions to have with new clients is what we call “House versus Home”. It goes like this: “When you hear the word ‘home’, what words comes to mind?” Clients typically pause for a minute before beginning … Continue reading

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Should You Buy a New House Now or Wait?

This is a question we hear a lot these days as the New Year gets under way and families are looking ahead.  Watch this video to see the impact of waiting or preparing to buy now. The result might surprise … Continue reading

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Blind Spot #4: Lack of a Wealth Team

Who do you have in your life to help you make important money decisions every month or every year to help you build wealth for your future to enjoy more money less stress and more life? We need a solid … Continue reading

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Thinking Money – Blind Spot #2: Lack of Fiscal Literacy

Did you know that the average person spends $1.22 for every $1.00 earned?  That is a negative savings rate!  According to Ben S. Bernanke, Federal Reserve Chairman, “There is a desperate need for greater financial literacy among consumers.”  And he … Continue reading

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Why You Should Develop A Plan

Blind spots don’t only exist on the road we drive.  There are also blind spots on the road to financial independence.  And no one is immune! They’re all around, preventing us from getting where we want to go.  It is said that … Continue reading

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Understanding Debt Management

As a modern consumer, you need credit. When you were growing up, you may have heard your parents or grandparents say, “If you can’t pay for it with cash, then you can’t afford to buy it.” That may have been … Continue reading

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How Does the Government Shutdown Affect Mortgages?

Contributed by our own: James Adair Quick memo about how the 2013 “partial Government shutdown” will affect those trying to get a mortgage right now.  The short answer is: government shutdown = mortgage shutdown.  I have a few clients who … Continue reading

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