Some people make it a goal to pay off their mortgage early. In order to do this, you have to make extra principal payments. If you make a large principal payment, you can usually request that your lender “recast” your mortgage. This means they will recalculate your monthly payment using the same interest rate and…

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I love the hope, optimism, and resilience that was displayed as America rang in the New Year! It’s these characteristics that enable us to rise above many different challenges. That said, things didn’t change overnight, and we don’t know what this year will hold. In meeting with clients, I began thinking about what we can…

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My family and I recently moved back into our house after a 4 month renovation. We were overwhelmed by the seemingly endless unpacking that needed to happen. My wife, Sal, is blessed with the gift of being organized so she had a plan. First, we knocked out our room so we felt organized and knew…

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We have covered this topic extensively leading up the the election, but here’s one more viewpoint. Some investors may consider making changes (sometimes drastic) to their investments in the month before or after an election. There is an idea that if Trump wins “ABC” will happen and if Biden wins “XYZ” will occur. In reality,…

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I recently heard someone say “don’t measure success or failure by the outcome but by the wisdom of your decision that led to that outcome.” Said another way: we can not control the outcome, but we CAN make wise decisions with the information we have available to us. This principle makes perfect sense, but it…

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