I spoke with 2 clients this week and another 2 or so in the week past. They all had the desire to purchase  homes in the immediate future. All were otherwise qualified, but lacked the funds for a down payment. They did not meet the criteria to obtain down payment assistance. Obtaining the funds from their 401K, borrowing against the cash value on an insurance policy, or obtaining a gift from a family member were also not options. During these conversations the potential buyers became... [read more]

Having been a single parent, I truly understand the cost of raising kids as well as the need to properly plan. I’ve done somethings right and some wrong. But I share this information with you to help you avoid some pitfalls, and to share some of the knowledge I’ve acquired over the years.   Raising kids isn’t cheap. According to the U.S. Department of Agriculture (USDA), the cost (in today’s dollars) of raising  for a baby born in 2015 through age 17 for... [read more]

With the holidays quickly approaching this is a good time to take stock of your worth. There are a lot of women who believe they are successful because they have a lot of income, but are in essence wearing all their hard earned money on their back, and feet. However,  your net worth is more of an indicator of wealth than an income, because it shows you how much you have amassed in capital, liquid assets, and other forms of investments other than cash. Another way to look at it is... [read more]