The Right Way to Use Homeowners Insurance

The Best Way to Use Homeowners Insurance

Homeowners insurance is more than just another bill the mortgage company makes us pay every year! It’s the price we pay for peace of mind if our property is damaged in a fire or destroyed in certain natural disasters. Unfortunately, homeowners insurance isn’t cheap. And if you don’t take steps to mitigate the costs of this coverage, you could wind up paying way more than you need to. You May Be Paying Too Much for Home Owner’s Insurance We see this with our clients a…
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Should I Sell Stocks Now?

Should I Sell Stocks Now?

The stock market has only gone up, up, up the last few years. Should you sell stocks stock now? Maybe, but you should ask yourself an important question first. “Why?” Are you selling to rebalance your portfolio or as part of your financial plan? If so, then it’s possible offloading some stock is a good move. Or, maybe you want to sell out of fear because you believe the stock market is overvalued. In that case, I have something to say about it. Historically, fear…
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Do I Need to Own International Stocks?

Investing in the stock market can be a frightening enterprise. After all, who is ever comfortable with losing money? Investors may attempt to increase their comfort in the risky venture that is the stock market by only investing in stuff they are familiar with – stocks like Google (GOOG), Apple (AAPL), Netflix (NFLX), or Amazon (AMZN). However, such a strategy will likely catch the ire of most competent financial planners. Why? Because investing exclusively in companies you’re familiar with means giving up diversification. And when…
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Stock Market Crash Around the Corner?

Is a Market Crash Around the Corner?

The U.S. Stock Market has performed amazingly over the last few years – so well that people are starting to say stocks are too expensive. Some even say we’re due for a market correction – a prediction which will inevitably come true. But, when will stocks drop? Unfortunately, it’s impossible to know. But, just because we don’t know when the market will tank doesn’t mean we can’t prepare ourselves for the next market crash. And it also doesn’t stop clients from asking us to help them…
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Should I Invest in Bitcoin?

Should I invest in Bitcoin?

I first wrote about Bitcoin in January of 2017. Given everything that’s happened with cryptocurrency in the last few months, we are due for an update. For some perspective, let’s take a look at the original opening paragraph of this blog post from January of 2017 If you’ve been watching Bitcoin prices lately, you already know they’ve made quite a run. As of this writing, a single bitcoin is worth $831.91. To put things in perspective, Bitcoin values were in the $300 – $400 range…
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Equifax Breach: Things You Need to Know

Equifax Breach cyber security

As most are aware, Equifax recently announced that a data breach on July 29th may have impacted as many as 143 million consumers in the U.S. The internet is full of helpful information about this incident, so I’ll keep this short. Here are two things we want you to know: 1. THE EQUIFAX WEBSITE IS…UNPREDICTABLE You might have seen the eligibility website released by Equifax. (The link is below.) In return for your last name and last 6 digits of your SSN, it – allegedly –…
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The Smart Way to Save Money On Auto Insurance

How to Save Money on Auto Insurance

Do you wish you could save money on your regular bills? Are you tired of overpaying for important components of your financial plan, but not sure what to do? If so, I’ve got some simple advice that can help you save hundreds of dollars in one budget category: your auto insurance policy. Every year, thousands of people make a specific mistake with their coverage that costs them big time. These people are literally taking hundreds of dollars every year and lighting it on fire. Want…
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Protecting Yourself from Scammers this Holiday Shopping Season

Safe Online Shopping Tips this Holiday Season

Like it or not, the holidays are almost here. While you might have mixed feelings about the jolly season approaching, the fact remains that now is a great time to get yourself – and even your spouse – that knick-knack you’ve been eyeing. Why? Because holiday sales are coming, and as always, the discounts will be deep. Still, it’s important to make sure your year-end shopping spree isn’t spoiled by cybersecurity threats, hackers, or scammers. Read on to learn how to best protect yourself when…
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