Making Finances Simple. Changing Lives.
Government Fee Changes on Home Loans
VA and FHA loans are getting cheaper! With changes in fees, more borrowers qualify and save money. See below for specifics…
If you’re a tither/charitable donator and you have long-term appreciated stock, you should seriously consider donating your stock instead of cash/savings…
Tax & Financial Data 2023
Our annual Tax & Financial Data form is here!
Yield Curve Inversion Signaling Recession
Outside of inflation, the main topic of conversation in economic financial circles is the possibility of a recession…
New Loan Limits
Fannie Mae & Freddie Mac have conducted their annual home price and loan limit review. See below for changes in conventional loan limits…
Year-End Tax Info
Here‘s our annual list of money moves and tax items to consider at year end!
Wait, what? Inflation benefits? Is there such a thing?! Inflation has been the table-talk buzzword for 2022. Below we give you some benefits, yes, some benefits to inflation…
Deleting Credit Errors
Several reports say that more than one-third of all credit reports contain errors** with consumer reporting. If you’re victim to failed reporting, you can get erroneous info removed…
Wash Sales with Stock
If you sell stock, you’ll receive a 1099-B tax form reporting that transaction. You might notice some of the losses are disallowed, due to the wash sale rule…
Things change. Costs have gone up. Ensure your finances are keeping up with your life and the times. We’re providing you with a review list below…
Home Maintenance Items to Budget & Complete
Home improvements are a great way to increase the value of your home. However, many homeowners neglect an equally important factor: home maintenance. Not only will it add value to your home, but it will also add life to your home and all components. We’re giving you some items below you’ll want to budget for and complete on a routine basis…
Social Security Taxation Changes?
Some big changes to Social Security are floating in the news. Not only will Social Security recipients receive an 8.7% increase in benefits for 2023, but there is also a new bill that may change taxation…
STOP! Don't Turn in Your Leased Car
Generally, at the end of a lease, most folks turn in their car and look to either lease a new car or purchase a car. However, COVID and recent economic events have changed this from being a no-brainer…
Interest Rate Shock
Wow! There’s not much more I can say about the path of rates this year. In my 21 years of providing home loans, I’ve never seen rates shoot up like this in such a short period of time…
87,000 New IRS Agents
More audits? Better customer service? Everybody wants to know how the added IRS agents and increased IRS funding will affect them…
Mayonnaise Jar & Coffee
This is an old classic that is helpful to revisit when your life seems overwhelming and too much to handle. When those times hit, remember the Mayonnaise Jar & 2 Cups of Coffee!
The Many Advantages to Owning a Home
For several years now, many have been wondering if the real estate market is hitting a bubble. We’ve maintained the stance that market timing is never a great strategy, as it can bite you where it hurts! Instead, we always recommend making decisions based on your family and financial situation at the time, taking a short & long-term view in helping make the best buying/selling decisions. With that being said, we wanted to list some benefits to home ownership for your consideration…
Retirement Income Taxation
Not all income is taxable. It’s especially important for retirees to know what income they can access that won’t be taxed. It’s equally critical for pre-retirees to understand retirement income taxation in helping with their planning…
The Latest CA Stimulus Coming Your Way
California has authorized an additional Stimulus, which it is calling the Middle Class Tax Refund. See below for details…
Purchasing a home is a major decision, likely the largest financial move most folks make during their lifetime…
There are several different ways for employees to handle stock options. In this article, we'll discuss two stock option types, Restricted Stock Units (RSU's) & Non-Qualified Stock Options (NSO's)...
The Social Security Administration (SSA) no longer mails out benefit statements to those under age 60. If you fit this demographic, here’s what you should be doing.
VA Loan Benefits
Being a veteran is a huge sacrifice for your country. It should be rewarded in many ways, among them being Veteran’s Administration (VA) home loan perks.
Occasionally when applying for a job, the employer will offer you the ability to be a 1099 Contractor, or a W2 Employee. Which should you choose? It really depends on your goals and current situation.
Stocks have been all over the map the past few months. Many financial advisors suggest down markets can be a great time for Roth Conversions. Read below to see if a conversion is right for you…