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Debt

20 Second Advisor: Time to Refi?

Mortgage rates have dropped in the last month to the lowest rates since 2016 (see chart below). At the same time, many homeowners have seen their home value increase over the last few years. Now could be an advantageous time to refinance your mortgage to pay down debt, renovate your house, get rid of PMI,…

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20 Second Advisor: Vacation Home – Rent or Buy?

vacation home

It’s summer time. And that means vacations. Families feel the draw of buying a 2nd home while they’re on vacation. On the trip to Florida, couples may think, “Wouldn’t it be great if we had a beach house?” Before you dig into the financials of buying a 2nd home, here are the top non-financial questions…

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20 Second Advisor: Make it happen in 2019!

It’s the most wonderful time of year.  That time when you gather with family, celebrate the holidays, and dust the cobwebs off your old budget.  But, seriously, I love this time of year.  We are looking into the new year and trying to guess/dream/figure out what we’d like to accomplish in 2019. Vision is the…

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Debt…Right or Wrong?

It’s neither! It’s not an issue of right or wrong; it’s a matter of risk. What is debt? Debt is borrowing money to buy something and paying it back over time with interest. This includes your home, car, vacations, appliances, education, or anything else. What do debt and risk have to do with each other?…

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Saving in your 30’s

In your 30s, you start feeling like an adult. You may be married and have a family by now. You may be starting to really hit your stride career wise. Or you are considering buying a house or starting a business. With all of these new responsibilities, it is critical to have a structured game…

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