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Do rates matter?

In comparing today's mortgage rates to exactly one year ago today, we are up almost exactly 1%. That's water under the bridge and can't be changed, but let's take a quick look to see what future rate...

 

Settling an estate: Executors inherit important title

Being named as the executor of a family member's estate is generally an honor. It means that person has been chosen to handle the financial affairs of the deceased individual and is trusted to help ca...

 

It matters who lives there

Family A bought a big house last year to accommodate a family member who needed to live with them. Over the course of several months, it became clear the arrangement was not ideal, and the extra...

 
 By Tammy Engel    Local News    June 9, 2018

Maybe it's your tax bill

Kern County's Treasurer-Tax Collector website says this month is the deadline to pay your current property taxes and penalties prior to defaulting. In October we'll all get a new tax bill for 2018....

 
 By Tammy Engel    Local News    May 26, 2018

Then and now

Interest rates are up. Want to know what that means in real terms? I pulled rate sheets from June 1, 2017 and am comparing to today's rate sheet. Here are some rough ideas about what is real in...

 

Settling an estate: Executors inherit important title

Being named as the executor of a family member's estate is generally an honor. It means that person has been chosen to handle the financial affairs of the deceased individual and is trusted to help...

 
 By Tammy Engel    Local News    May 12, 2018

What should I do?

This is an open letter to the many folks who have sat across the desk from me in the past month. Together we spent hours poring over scenarios, and figures, and life questions. I want to honor you...

 

Make it home

We know we have a topic when the same subject comes up repeatedly. In the past week three families have asked me, "What is the more strategic house to buy? Which one will be easiest to sell for a...

 

Saving for College? Consider a 529 Plan

This article was written by Edward Jones for use by your local Edward Jones Financial Advisor. May 29 (5/29) is National 529 College Savings Plan Day. If you are not familiar with 529 plans, you are...

 

Please participate

The first caller just heard that her husband wanted a divorce. She rang me in a panic, having no idea what to do when he offered that she buy the house from him. The next was a widow of three weeks,...

 

Estimating your retirement income needs – Part 2

Decide when you'll retire To determine your total retirement needs, you can't just estimate how much annual income you need. You also have to estimate how long you'll be retired. Why? The longer your...

 

Who can you trust?

Buyers! Sellers! Realtors! Lend me your ears! Unless it's a cash transaction, the success of your home buying or selling rests quite firmly on the lender. If the loan doesn't fund, nobody moves, and...

 

Estimating your retirement income needs – Part 1

You know how important it is to plan for your retirement, but where do you begin? One of your first steps should be to estimate how much income you'll need to fund your retirement. That's not as easy...

 

If I sell a property at a gain, do I owe tax?

The answer is maybe! Only tax law is strange enough to have three different answers to the same question. Let us wade through the murky water together and I will give you some examples of different...

 

The tax benefits of your retirement savings plan – Part 2

Tax deferred is not the same as tax free. "Tax free" means that no income taxes are due at all. Some employer-sponsored savings plans, like Roth 401(k)s, Roth 403(b)s, and Roth 457s, can generate...

 

Do I need to file a tax return?

The answer depends on your filing status, your age and the type of income you earn. Each person is allowed to earn a certain amount of income before they are required to file a tax return. Each...

 

Dependents and your Tax Return, claim the free money

Got kids? We know that sometimes they can be jokingly referred to as "our little tax deductions", so let's begin at the beginning. When little Susie is born, her parents (you) must apply for a social...

 

A woman's guide to health care in retirement – Part 2

Buying long-term care (LTC) insurance is an option. While premiums may be costly, having LTC insurance may allow you to elect where you receive your care, the type of care you receive, and who...

 

Time is a key factor in investing

This article was written by Edward Jones for use by your local Edward Jones Financial Advisor. With the arrival of the New Year, many of us will pause and ponder the age-old question: "Who knows...

 

A woman's guide to health care in retirement – Part 1

At any age, health care is a priority. But when you retire, you should probably focus more on health care than ever before. That's why it's particularly important for women to factor in the cost of he...

 

Time to review your investment strategy for the year

This article was written by Edward Jones for use by your local Edward Jones Financial Advisor. As the year draws to a close, it's a good time to review your progress toward your financial goals. But...

 

Have you checked your retirement plan lately? – Part 1

It's generally a good idea to review your employer-sponsored retirement savings plan at least once each year and when major life changes occur. If you haven't given your plan a thorough review within...

 

Staying on track with your retirement investments – Part 2

Take advantage of dollar cost averaging One of the benefits of participating in your workplace savings plan is that you're automatically using an investment strategy called dollar cost averaging....

 

Check it twice

Haven't I told you to shop around? Just this weekend a past client contacted me about a mortgage transaction. They are moving out of state and the paperwork didn't look right. They had told the...

 

Required withdrawals from retirement plans: what should you know?

This article was written by Edward Jones for use by your local Edward Jones Financial Advisor. You may spend decades contributing to your IRA and 401(k). But, eventually, you'll need to use this...

 

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