Home » Archives by category » Finance

Retirement – Between a Rock and a Hard Place

Where you might find yourself when looking at your chances of achieving retirement success and some tips to soften the blow. As a financial professional, I constantly talk with people about their retirement goals and while the expectations of my clients may vary when it comes to specifics of how they will spend their “Golden Years”, […]

If you have children and if they inherit your IRA or 401k, they have other options available instead of having to take all of that money immediately upon inheritance out of the IRA or 401k and paying taxes on it. They can stretch out the money they inherit from your account and use it over […]

Continue reading …

What is a Step Up in Basis? And Why Should I Consider Transferring Property Via a Trust? There are number of reasons to create a Trust. Some of them involve avoiding Probate; others may involve avoiding conflict between heirs. However, one that most people don’t think about is avoiding capital gains taxes. I recently had […]

Continue reading …

By no means is this article covering all of the intricate complexities of how to make the most of social security, however it does answer some keys points that can be helpful to know. What is “Full Retirement Age”? Relative to social security, it is the age at which a person may first become entitled […]

Continue reading …

Four-Day Conference Nov. 19-22 at the California Center for the Arts in Escondido will be presented by the Asian Heritage Society and County of San Diego and hosted by San Diego County District 3 Supervisor Dave Roberts. Major participants include CONNECT of San Diego, North San Diego Business Chamber, San Diego Regional Economic Development Corporation, Alliant […]

Continue reading …

No matter how much or little you have, matters of money illicit stress in people’s life and for many couple’s, fights over finances can break up the union.  In an effort to avoid unnecessary battles, there are some planning steps you can take in advance of tying the knot. Talk about finances Keep finances out […]

Continue reading …

Credit scores are comprised of 5 factors.  Points are awarded for each component, and a high score is most favorable. There are three bureaus and each one may factor the scores slightly different.  Occasionally you may find that some credit information is only reported to 1 or 2 bureaus, instead of all 3.  This is […]

Continue reading …

As an attorney with a practice focusing on Business Law and Estate Planning, I have met a fair share of individuals who have started businesses without doing the proper legwork and without knowing what they were getting themselves into.  Before long, problems with business partners, legal issues, and money issues throw the business into a […]

Continue reading …

The origin of credit scoring dates back to the 1950’s.  The purpose of its design was to provide lenders with financial profiles on consumers who wished to borrow money.  The structure of the credit scoring model seeks to reflect the likelihood of an individual to pay off debt without being more than 90 days late […]

Continue reading …

People often ask me about how the interest rates impact the monthly mortgage payment for a home.  When the interest rate changes, how much of an impact does that have on the monthly payment?  You will find that for each eighth of a difference in the interest rate, for example you go from 4.25% to […]

Continue reading …

About a year ago a friend called me and asked if I wanted to join him on a skydiving trip.  Two years ago I would have jumped at the opportunity, however this time there was something different.  Before I answered him, I started to think about my life insurance policy and if I had made […]

Continue reading …

Have you found that you receive an influx of phone calls or letters in the mail right after you have applied for credit for a home loan or other types of credit?  Are you wondering how to protect your privacy when applying for new credit. Did you know that the actual credit bureaus, Experian, Equifax […]

Continue reading …
Page 1 of 10123Next ›Last »