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 By Tammy Engel    Local News    June 24, 2017 

Reverse wins – sometimes

Don’t fall for the hype – Reverse mortgage isn’t for everyone. When you have a seasoned professional help you with the analysis about what these loans accomplish or not, you can see for...

 
 By Ben Graham    Local News    June 24, 2017 

Declare your financial independence day

This article was written by Edward Jones for use by your local Edward Jones Financial Advisor. We’re getting close to the Fourth of July, when we celebrate the freedoms we enjoy in this country....

 

Understanding risk – Part 3

Understanding your own tolerance for risk The concept of risk tolerance is twofold. First, it refers to your personal desire to assume risk and your comfort level with doing so. This assumes that risk...

 

Gold Star Financial

They knew there just had to be a better, safer way to grow their client's money. Ron Mejia and Laura Asbill of Gold Star Financial spent 3 years searching for the answer. Somehow, consistent,...

 

When cash is not king

Really, he was trying to help. Knowing that he needed a clean paper trail for the money they’d use to buy a house, he opened a new account. Since the bank puts holds on checks for the first month,...

 

Understanding risk – Part 2

Other types of risk Here are a few of the many different types of risk: • Market risk: This refers to the possibility that an investment will lose value because of a general decline in financial...

 
 By Tammy Engel    Local News    May 27, 2017

'My parents said I should refinance'

It’s pretty great that parents watch out for their kids’ finances. A 2015 first-time buyer was in touch because their parents told them to refinance right now, while rates are low. But is that a...

 

Understanding risk – Part 1

Few terms in personal finance are as important, or used as frequently, as “risk.” Nevertheless, few terms are as imprecisely defined. Generally, when financial advisors or the media talk about...

 
 By Tammy Engel    Local News    May 13, 2017

$11,000 is too much

A repeat client phoned me and she was hoppin’ mad. “We got a VA buyer offer on our house and they want us to pay $11000 in closing costs!” That made me mad, too. Here’s why. The VA home loan...

 

Measuring risk – Part 3

Beta A better method of measuring risk is referred to as beta. Beta measures an individual investment’s volatility in relation to the stock market in general, as measured by the Standard & Poor’s...

 

Ken Harney says...

Kenneth Harney is a nationally-syndicated columnist on real estate for the Washington Post Writers Group. Here’s his March 29 post about credit scores. When is your “credit score” irrelevant in...

 

Where did my money go?

If you’re like most Americans you’ve just passed two milestones this year, Tax Freedom Day, which is recognized on April 12, and Income Tax Filing Day, which is usually recognized as April 15 but...

 

Measuring risk – Part 2

Determine your investment time horizon The period of time for which you plan to stay invested in a particular vehicle is referred to as your investment planning time horizon. Generally speaking, the...

 

What does conservative investing mean to older investors?

This article was written by Edward Jones for use by your local Edward Jones Financial Advisor. If you’re a certain age, or getting close to it, you might hear something like this: “Now that...

 

It's a conspiracy!

Is there a conspiracy surrounding the appraisal report for your home purchase or refinance? Recently a buyer was upset about an appraisal value matching the purchase price, so let’s review the...

 

Measuring risk – Part 1

What is risk? In the investment world, risk means uncertainty. It refers to the possibility that you will lose your investment or that an investment will yield less than its anticipated return....

 

Rates are up! Rates are down!

Gotta love the media. They scream at us that interest rates are worse, and that interest rates are better. All they’re doing is reading from a teleprompter – so what’s true? It’s all about...

 
 By Ben Graham    Local News    April 1, 2017

Financial gifts and tips for new graduates

This article was written by Edward Jones for use by your local Edward Jones Financial Advisor. It's Graduation Season again. If your child is graduating from high school or college, you have reason...

 

Using trusts to meet tax & non-tax goals

Trusts have been used as an integral part of sophisticated tax and financial arrangements for centuries. Exactly how they are used depends on a person’s particular goals, current tax rules, and other factors. Hopefully this article helps you to...

 

Four things women need to know about Social Security – Part 3

4. When should you begin receiving retirement benefits? Should you begin receiving benefits early and receive smaller payments over a longer period of time, or wait until your full retirement age or...

 

Choose carefully

There’s a new survey out by ClosingCorp telling us that last year more than 50% of lender’s loan estimates to borrowers had to be revised before the close of escrow. Buyers complained that...

 

Extensions and Amended Tax Returns

Extensions Whether you file a tax return by the April due date, or obtain an extension to file, filing an annual tax return is mandatory if your income is above a certain level, which will vary...

 

Four things women need to know about Social Security – Part 2

3. What will your retirement benefit be? Your Social Security retirement benefit is based on the number of years you’ve worked and the amount you’ve earned. Your benefit is calculated using a...

 

Comparing loan offers

It’s pretty easy to go on-line and get figures about your next home loan. Does what you see on the screen actually end up being what you get? It’s not always a matter of bait and switch; it’s a...

 

Identity Theft

Tax-related identity theft occurs when someone uses a taxpayer's stolen Social Security number and name to file a tax return to claim a fraudulent refund. Often the taxpayer doesn't know this has...

 

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