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 By Tammy Engel    Local News    January 7, 2017 

What happened to rates?

Happy New Year. Have you been getting a bunch of mailers about refinancing your current home loan? Me, too. Is it really a good time to refinance? Only “maybe.” Many factors come in to play when...

 

Be like 'Buyer A'

“I’ve never worked with someone like you before when buying houses … it makes me wonder how many times I’ve been swindled or made bad decisions – thank you for walking us through...

 

Need help?

If you’re behind on your mortgage payments, or worried about how you’ll make the next one, join the more than 1.5 million families who have been helped so far. Fannie Mae has a great resource at...

 

How secure is Social Security? – Part 1

If you’re retired or close to retiring, then you’ve probably got nothing to worry about--your Social Security benefits will likely be paid to you in the amount you’ve planned on (at least...

 

Consider some New Year's (financial) resolutions

This article was written by Edward Jones for use by your local Edward Jones Financial Advisor. We’re just about ready to open the door to 2017, so you might be thinking about some New Year’s resolutions. What’s on your list this year? More...

 

Don't fall for it!

After you’ve done a new home loan, your mailbox gets stuffed with all kinds of mail. Anything you receive from your lender would be important, of course, as would anything from the local county tax...

 

How should you use retirement plan distrubutions?

This article was written by Edward Jones for use by your local Edward Jones Financial Advisor. During your working years, you are (hopefully) putting money into your IRA and your 401(k) or similar employer-sponsored retirement plan. But once...

 

Know before you owe

It’s important to have a monthly housing budget in mind when you shop for a new home. The on-line calculators you see on web sites are interesting, but don’t account for everything that might be...

 

Stay away from frightful investment moves

This article was written by Edward Jones for use by your local Edward Jones Financial Advisor Halloween is almost here. When you’re passing out candy, you’ll see many “scary” costumes that will probably just make you smile. But in real life,...

 

Timing your earnings in retirement to optimize your social security retirement benefit – Part 3

Strengths You can avoid having part or all of your Social Security retirement benefit withheld By postponing or bunching your earnings in retirement, you may be able to avoid earning more than the...

 

It's taking FOREVER (again!)

Several weeks back my phone rang and a California City caller wanted to know if it was real that home loan appraisals were taking over a month. For her rural area, it was true. What’s that about?!...

 

Timing your earnings in retirement to optimize your social security retirement benefit – Part 2

Bunch your earnings If you believe that all of your retirement benefit in one year will be withheld due to excess earnings, you may be able to bunch your earnings for that year in order to avoid...

 

Vote for Smart Investment Moves

This article was written by Edward Jones for use by your local Edward Jones Financial Advisor The presidential election is little more than a month away. Like all elections, this one has generated considerable interest, and, as a citizen, you may...

 

Timing Your Earnings in Retirement to Optimize Your Social Security Retirement Benefit – Part 1

What is it? If you work after you begin receiving Social Security retirement benefits, all or part of your retirement benefit may be withheld if your earnings exceed the retirement earnings exempt...

 

Notes From a Seller

Now that I’ve been on the other side of the desk, let me share a few personal notes about being the seller in a real estate transaction. It’s really fun to hear your Realtor call to say there’s...

 

Really – shop that internet offer!

Out of curiosity, I looked at online mortgage rates today. The findings are astonishing, and suggest that before you click away, you really should shop any online mortgage offer you’re...

 

Be Prepared to Retire in a Volatile Market

In an ideal world, your retirement would be timed perfectly. You would be ready to leave the workforce, your debt would be paid off, and your nest egg would be large enough to provide a comfortable re...

 

'Roadblocks to the American Dream'

The Center for California Real Estate has released a report about “Roadblocks to The American Dream.” In it, they cite current challenges facing home buyers. Here are their findings: 29% have...

 

Diversification is Still Important for Retirees

This article was written by Edward Jones for use by your local Edward Jones Financial Advisor During your working years, your primary investment goal is generally growth – you need your money to grow so that you can eventually afford the...

 

'I'm a little put out…'

If you have been party to any home financing recently, you’ve probably said the same thing: “This should not be anything of concern, as I have very strong credit.” Welcome to my world. Once...

 

Types of Risk – Part 1

What is risk? In the investment world, risk generally is associated with uncertainty. It refers to the possibility that you will lose some or all of your investment or that an investment will yield le...

 

Why a Calculator Isn't Helpful

She was very surprised when I told her the monthly payment would be $1127 per month. “But my Realtor told me the payment would be only $925!” The Realtor was using a mortgage calculator to...

 
 By Ben Graham    Local News    July 23, 2016

Investing: A marathon, Not a Sprint

This article was written by Edward Jones for use by your local Edward Jones Financial Advisor. Next week, the 2016 Summer Olympics begin in Rio de Janeiro. One of the most compelling events is the marathon, a 26.2-mile endurance contest with roots...

 

Planning Your Estate – Part 10

Property not affected by your will Generally speaking, your will affects only those assets which are in your name alone at your death. Some assets which are not affected by your will include: • Life Insurance proceeds when the policy has a valid...

 

Electing Delayed Social Security Retirement Benefits – Part 3

How to do it Decide whether you want to delay receiving retirement benefits by comparing your options You can estimate your retirement benefit online using the Retirement Estimator calculator on the...

 

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