Pay Yourself First

The principle to pay yourself first has been referred to as the Golden Rule of Personal Finance. The concept is that one of the first checks you write each month is for your own savings. The rationale is that if there is no money left after a person pays their bills, there is nothing to […]

read more

Homeowner Advisory

Similar to an annual wellness physical, homeowners should consider an annual review of the financial elements of their home. It’s particularly valuable based on the fact that their home and its equity is generally, one of their largest assets. List of similar properties recently sold and currently available Information on challenging property tax assessment Refinance […]

read more

It’s a Big Difference

Let’s say that you just won $8,750 on a lottery scratch-off ticket. You’ve decided to be frugal and invest the money and have decided on three alternatives: buying a certificate of deposit, a mutual fund or use the money as a down payment for a $250,000 home. To compare the three alternatives, let’s look at […]

read more

Is Understanding Costing You Money?

People tend to fear what they don’t understand. Homeowners understand fixed rate mortgages and remember the horror stories of people who lost their homes because they could no longer afford them when their adjustable rate mortgages went up. Interest rates on fixed-rate mortgages have been so low for enough years, that borrowers haven’t even given […]

read more

What’s That Smell?

Homeowners may be totally unaware that their home has an unpleasant odor. It can be unrecognizable to them but immediately apparent to visitors on entering the home. Candles, aerosol spray or even chocolate chip cookies can’t get rid of the smell. To eliminate the odor, the source of the smell first has to be removed […]

read more

Remember to Get Your Annual Credit Report

You are probably aware that Federal law entitles you to a free copy of your credit report annually by each of the three credit bureaus: TransUnion, Experian, and Equifax. By regularly looking at each of these reports, you can determine if there are any errors on them and be aware of your credit worthiness. Instead […]

read more

It’s Your Advantage

Technology has certainly streamlined the home buying process and introduced things that help purchasers make better decisions. Buyers have enthusiastically embraced video tours, digital signatures and the enormous amount of information available about a home, neighborhood, schools and neighbors. The ironic thing is that buyers are ignoring the one single thing that can help them […]

read more

Early Burnout Could be Good

Most of us understand the expression “burning the candle at both ends” to mean working so hard that you burn yourself out. Normally, that wouldn’t be a good idea unless it is intentional. If the candle is your mortgage and the strategy is to get it paid off early, being “burned out” would be a […]

read more

Emergency Ready Kit

The Federal Emergency Management Agency (FEMA) recommends that all Americans have some basic supplies on hand in order to survive for at least three days if an emergency occurs. It is recommended that the Ready Kit should be assembled well in advance of an emergency. The concept is to be able to survive for at […]

read more

Mid-Century Beauty In North Phoenix For Sale

Modern meets retro in this north Phoenix mid-century beauty. Live in class with the sleek designer finishes & light neutral colors through out this 3 bedroom 2 bath home complete with a two car garage and a sparkling pool! Call our office today to schedule a showing. Click the photo below for a virtual tour. […]

read more