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Title Insurance

If you’re a homeowner, you need title insurance.  Now there are two types of title insurance: there’s Lender’s and Owner’s. Lender’s title insurance is required by mortgage lenders. It protects your title and the lender from false liens, judgments, errors, omissions or false heirs. It only protects you and your heirs from claims that question […]

Crazy Money! Beware Bitcoin

It’s Crazy Money Day! Warren Buffett and Charlie Munger openly denigrated cryptocurrencies at this year’s annual  Berkshire Hathaway shareholder meeting. Buffett said he wouldn’t pay $25 for all the bitcoin in the world. Munger added, “In my life, I try and avoid things that are stupid, evil and make me look bad in comparison to […]

Warranty Scams

I’ve never purchased an extended warranty. An extended car warranty is a service contract between you and a warranty company. General warranties are included in the sales price of vehicles, but an extended car warranty or service contract is not. I don’t recommend them. Instead, buy reputable cars and set aside money for repairs. We frequently […]

Traditional Burials

Have you made burial plans? Traditional burials can run close to $10,000 or more. Let’s examine some of the costs. Going through a funeral home can cost you $1,500. This includes the fee for a director, staff, and death certificates. If you want to prepare the body for viewing, it’s another $1,500, plus the cost […]

Pricing Burials – Cremations

What will they do with your body? Death is typically an emotional experience for any family. That’s why it’s important to research and plan for the body ahead of time. Decisions have financial ramifications. Simple planning will assist loved ones in the future. Some want to save money and elect for a cremation. The average […]

Prep While You Can

Are you financially preparing for the times we’re in?  There’s plenty of reasons to be financially wise these days. There are supply chain issues, inflationary pressures, and the prospect of worldwide food shortages. We don’t know if, when, or how these will affect us. However, taking simple steps today will enable us to confidently face […]

DIY Moving Tips

Are you moving this summer? My wife and I have moved a lot, and if a move is on your horizon, I’ve got a few tips for you. Start decluttering now! You’ll have less to pack and move. Go through each room of your home and decide what to keep. Then sell, donate or trash […]

Have Debt-Free Fun This Summer!

Thinking you can’t save money and have fun this summer?  During stressful times, it’s easy to spend money to escape and just have some fun. However, it’s always important to spend less than you earn. No matter how you’re feeling emotionally, avoid spending your savings – especially emergency savings. Money put aside gives margin and […]

Crazy Money! Joss Paper

It’s Crazy Money Day! What you believe is expressed in your use of money. Several years ago, I was invited to teach in Taiwan. Walking back to my hotel with my hosts, we passed what looked like street vendors along the sidewalk. Every 50 to 100 feet, crouched around a small stove with an open […]

GAP Clause in Real Estate

Are you familiar with the ‘GAP clause’ in real estate? When home prices accelerate quickly, appraisals may not reflect current values. An appraisal gap clause is an addendum to a contract. It confirms that the buyer will cover any difference between a home’s appraised value and their offer. It gives sellers comfort in knowing a […]

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