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Keep comparing!

Twice this week my local quote was beat an online/mail lender. Once was for a reverse mortgage, and once for a plain refinance. Be sure you are talking to a local mortgage advisor before you latch on...

 

Are you eligible for these tax deductions?

Proving tax deductions without cancelled checks There is a growing trend toward remote deposit of checks. Because of the increasing sophistication of smartphones, you can now photograph a check written out to you and digitally send it to your bank...

 

Social Security: What should you do at age 62? – Part 2

How much income will you need? Another important piece of the puzzle is to look at how much retirement income you’ll need, based partly on an estimate of your retirement expenses. If there is a...

 

'You can have any loan you want!'

Um, no, you can’t. But this was said by someone holding themselves out as a lender, to a friend of mine. He heard, “If you put 20% down, you can have any loan you want!” First, a check of the...

 

Try to overcome 'roadblocks' to a comfortable retirement

This article was written by Edward Jones for use by your local Edward Jones Financial Advisor. In your life, you will want to take many journeys. Some are physical – perhaps you’ll finally visit the French Riviera or the Caribbean. Others...

 

Tax credits and tax deductions

I have noticed confusion in the people I talk to regarding tax credits and tax deductions. A tax deduction reduces the amount of income that is subject to tax. The itemized deductions for mortgage interest, real estate taxes, contributions, etc are e...

 

Affordability snapshot

We got a great surprise from FHA this week: They’re lowering mortgage insurance premiums! Good news for buyers and refinancers alike. Since interest rates have moved over the last quarter, it’s...

 

Social Security: Claiming strategies for married couples – Part 2

File for one benefit, then the other To file a restricted application and claim only spousal benefits at age 66, you must be at least age 62 by the end of December 2015. At the time you file, your...

 

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...

 

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