Student Loan Refi’s College loans refinancing is complex due to the combination of federal and private loan programs. Flexible loan repayments are available today only for the federal student loans, so be careful if considering adding any private student loans to the mix. If you don’t do your research and shop wisely you could find…read more »

Protecting Your Assets with a Revocable Trusts Revocable Trusts have been used primarily used in the past to avoid probate. The main advantage was to minimize probate or in some cases even to avoid it as part of an estate plan. Today these forms of trusts are more varied and have gotten a bit more…read more »

Why You Will Always Be Poor 1. You spend more money then you make 2. Paying way too much for your cell phone & TV viewing 3. Lack of patience – wanting it all now 4. Unwilling to give up one thing for another 5. Buying depreciable assets 6. Not sticking to a budget 7….read more »

Three Investment Mistakes That   Can Drain Your Portfolio No. 1: Avoid Insurance as an Investment Insurance products make lousy investments especially life insurance products. Trouble with insurance products is the fees. Most insurance products typically take a big, upfront commission when you start saving. If you understand the phenomenon of compounding, you know that a…read more »

Tax Liens Certificates Tax liens are basically loans to individuals who had failed to pay their property taxes. In return for paying those back taxes off, they got paid interest plus depending on the state additional penalties. What happens is this: A homeowner, for whatever reason, fails to pay his property taxes. The taxing authority…read more »

Investment Ideas Monthly (Monday – May 30, 2016) A monthly forecast and investment ideas covering a range of technical and fundamental analysis securities to assist you in when to buy and when to sell a specific security. This is informational only and is not meant as a recommendation to buy or sell any security, but…read more »

Bankruptcy When to call an attorney is a question that needs to be answered; asking a bankruptcy attorney whether or not you need their assistance is a bit tricky after all they make their living processing bankruptcies. A better choice in my opinion is seeking help from a financial planner first to review your assets…read more »

Which is Better Lump-Sum Investing or Dollar Cost Averaging? Dollar Cost Averaging – theory is over time if you spread out your investments you will automatically buy fewer shares when the shares are high and more when shares are priced lower during market pull-backs and corrections. If you invest lump sum and the market takes…read more »

Investment Ideas Monthly (Monday – May 02, 2016) A monthly forecast and investment ideas covering a range of technical and fundamental analysis securities to assist you in when to buy and when to sell a specific security. This is informational only and is not meant as a recommendation to buy or sell any security, but…read more »

Credit Scores The most important factor when considering one’s credit score is paying your creditors on-time each and every month. In addition, you should strive to keep your balances low if you don’t pay off your balances every month. I would advise if you cannot pay in full each month, do not buy what you…read more »