What We Take for Granted

Daily family life means the mortgage gets paid…clothes and groceries are bought…and summer vacations are taken with family and friends. All this is part of what many of us take for granted every day of the week. However, there are two important financial factors that have a great impact on today’s family life. First, in order…

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Check the Health of Your Homeowners Insurance

When was the last time you reviewed your homeowners insurance? For your financial well-being, it is important to make sure that costly coverage gaps have not developed since you purchased your homeowners policy. Here are some tips on how to keep your insurance up-to-date: Be familiar with your homeowners policy. Read your policy’s provisions, limits,…

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Commercial Real Estate Leases

Gross vs. Net Agreements Commercial real estate leases typically fall into one of two major categories: gross or net leases. The two are distinctively different, and one may be more preferable than the other for your business, depending on the age, condition, and costs associated with the leased property. Under a gross lease, the lessor…

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Remarriage: Altering Your Financial Plan to Meet Your Needs

In previous generations, husband’s traditionally handled the family finances. While this arrangement may have worked well during the husband’s lifetime, the consequences of the wife’s lack of involvement in the family’s finances often became clear after her spouse died. Today, more women are actively directing the outcome of their personal finances, and for good reason.  …

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Is It Time to Refinance?

Over time, mortgage rates fluctuate. Depending on where rates currently stand, now may or may not be a good time for homeowners to consider refinancing their mortgage. How can you determine whether it makes sense at any given point to refinance your mortgage? In the past, if the current interest rate was 2% lower than…

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Can You Profit from Real Estate?

Can You Profit from Real Estate? Possible tax breaks and the potential for capital gain may tempt you to consider becoming a landlord, but be cautious: there are multiple responsibilities. Real estate investments may be less of the instant “winners” they once were. Whether the property you rent to others is a vacation cottage or…

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The Gentle Practice of Reiki

The Gentle Practice of Reiki Reiki is a gentle, therapeutic modality that originated in Japan to promote stress reduction and relaxation for the natural healing of the body. Reiki is a technique centered on the placing of hands on or above certain areas of the body to release blocked energy, which creates the body’s own…

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How Trusts Can Benefit You and Your Family

How Trusts Can Benefit You and Your Family Many people perceive trusts as a complex subject better left to their attorney. As a matter of fact, they often think trusts are available only to the wealthy. However, when stripped of all the “bells and whistles,” a trust can be viewed as simply a written contract…

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Does an “ARM” Have a Leg to Stand On?

Does an “ARM” Have a Leg to Stand On? For home buyers, and for homeowners who are considering refinancing, trying to decide whether to seek a fixed or an adjustable rate mortgage (ARM) can be a bit puzzling. The main attraction of ARMs is that they typically start off with a lower interest rate than…

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Should I Be Tempted to Invest in Bitcoin?

Should I Be Tempted to Invest in Bitcoin? If you’ve been watching bitcoin prices lately, you already know they’ve made a record-setting run. As of the end of November 2017, a single bitcoin was valued at over $11,000, which is more than 8x the price of an ounce of gold. And as of December 7…

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