by Anne B. Wenzel, CPA, Tiensvold Shaffer Wenzels CPA’s PLLC Death and taxes, that’s what we say, right? The two things that are for certain. For those of you who lost loved ones this year, I hope they moved on to a better, more comfortable place and you can find peace in your memories of … Read More…
by Kate Jenkins, Branch Manager, Evergreen Home Loans Recasting a loan involves applying a lump sum of money to the unpaid principal balance of a conventional loan resulting in lower monthly payments. You can also cancel private mortgage insurance if you reduce your loan balance at or below 80 percent of the original value.* Example … Read More…
by John Dunkel, CFP®, MBA, Vice President – Financial Consultant, Charles Schwab & Co. The stock market has entered a more volatile period of time, and more frequent ups and downs in the market impact not only your portfolio, but also your emotions as you try to ensure you have enough savings to make it … Read More…
by Will Hepburn Investment success is less about picking the best investments and more about not losing money when those pesky market cycles turn down. My new book “Why Bad Things Happen to Good Investments” has the premise that no one ever buys a bad investment. Then why do so many of us take deep … Read More…
by Jonathan Borrette, Licensed Health and Life Agent, Spirit West Certified Planning, LLC It used to be that finding the information you needed on the web was fast and easy. These days our internet is heavy with fake information and marketing sites designed to capture personal details. Searching for specific information has become a frustrating … Read More…
by Mark Field, Mortgage Professional, Barrett Financial Group Eighty percent of people have something inaccurate on their credit report that is adversely affecting their credit score. A lower credit score will increase costs on a mortgage, car loan and credit cards. There are things you can do to increase your score. First, don’t let anyone … Read More…
by Gayle M. McCarthy, Branch Manager, American Pacific Mortgage When considering a mortgage, whether it be a new purchase or a refinance of a current loan, consumers are concerned about timing. If rates continue to increase, locking in a rate now may be a savings. Why are interest rates rising? Our economy is doing well. … Read More…
by James Hait, Fiduciary, Financial Advisor, Victory Wealth Services As a young child, I was raised on Disney movies. Which probably accounts for my unusual relationship with animals. My wife and I have five horses, four dogs, one cat and one stubborn, incredibly old goat that seems to have found the secret to immortality. To … Read More…
by Andre Carman, Carman Law Firm As part of the estate planning process, many people create revocable (aka living) trusts. Trusts can be used to avoid probate but only if they are funded before you pass away. Funding a trust is an oft-forgotten step in the estate-planning process. If not done correctly, or at all, … Read More…
In August 2016, five organizations united in a collected effort to educate and inform individuals on how they could redirect their Arizona tax dollars to make a difference in their local communities. The Greater Prescott Area Tax Credit Coalition now has 20 organizations and continues to educate the community on practicing informed decision-making and having … Read More…