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 By Tammy Engel    Local News    August 5, 2017 

Negotiating repairs

Of course there will be things wrong with your dream house! The home inspection is designed to tell you that upfront so you can be an informed consumer. What do you do with those findings? Your...

 

Five things to watch out for when buying long-term care insurance

You've researched long-term care insurance (LTCI) and are seriously thinking of buying a policy. Just make sure you're doing it for the right reasons--don't be swayed by unsubstantiated sales...

 

Winning the battle of the thumbs

We’re short and sweet this week: Here is an article posted in the National Mortgage Professional magazine. While the majority of prospective homebuyers do their research on home loans online, they...

 
 By Ben Graham    Local News    July 22, 2017

Stay calm on the investment 'Roller Coaster'

This article was written by Edward Jones for use by your local Edward Jones Financial Advisor. Unless you live near an amusement park that does a lot of advertising, you probably didn’t know that...

 

Comparing long-term care insurance policies – Part 2

How do the policies you’re considering stack up against each other? Which benefits and features mean the most to you? How much can you customize each policy to your needs? These are very important...

 
 By Tammy Engel    Local News    July 8, 2017

Community Wide Open House on July 22

The Tehachapi Area Association of Realtors is holding a Community Wide Open House on July 22. Agents in the know tell me that if you want to have much of a choice in our current market, you’ll want...

 

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,...

 

Comparing long-term care insurance policies – Part 1

Because long-term care insurance (LTCI) is a relatively new product, policies are not standardized. This can make it especially difficult to compare policies when you’re shopping for this type of...

 

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...

 

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