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What Realtors Look for When Choosing a Home Lending Partner

  Qualities in Choosing a Home Lending partner. Hi there. Have you ever wondered how your Realtor chooses a Carmel Valley home lender that they work with? I’m here with Dena Leber today and I’m Julie Ozanich. Dena, tell us what are some top two qualities you look for when choosing a lending partner. Dena: […]

Planning a Wedding or Planning Your Estate? The Elements are the Same! I am in the midst of planning my wedding, and I love it.  Call me crazy, but I truly enjoy the process.  What I’ve realized is that planning a wedding is really no different than what I have been doing for my clients […]

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California Bank & Trust (CB&T)  has relocated their Carmel Valley branch from 11752 El Camino Real to a new location less than one mile away, at 11375 El Camino Real.  The new location opened to the public on February 3rd and along with the branch it also houses the San Diego Corporate Banking, Southern California Corporate Banking, […]

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The Supreme Court overturned DOMA last summer and for some people their tax, estate planning and retirement planning changed overnight.  For years, same sex, married couples have been excluded from participating in many benefits afforded heterosexual married couples.  The recent change in the law means same sex married couples can now access some of the […]

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David interviews Julie during a Google Hangout: David: Today, I’m here with Julie Ozanich, who’s our local home lending expert on the CarmelValleyLife.com. I wanted her to talk a little about some of the cool things that she’s doing marketing-wise, as well as what she’s doing within the community that’s really highlighting the community in […]

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What is the difference between a revocable and irrevocable trust?  The answer to this may seem obvious.  If your trust is revocable, it can be revoked, amended, or changed.  If your trust is irrevocable, it cannot be revoked, and the terms within are absolute.  What does this really mean?  And why would you want an […]

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It’s a New Year, and it’s time to get things organized.  If your estate plan is complete, go through this checklist for some follow up steps to consider.  If your estate plan is not complete, make it a goal for the New Year. □   Review your existing plan.  Do you remember who you named as […]

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The American Association of Long-Term Care Insurance (AALTCI) along with the U.S. Congress is on a mission to make people aware of the risks and costs associated with long-term care.  A 2012 report from the AALTCI found that the majority (56 percent) of new claims under these policies are for home care – not nursing […]

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As you put birthdays, anniversaries and other important dates on your new calendar, you might want to include reminders about certain retirement deadlines throughout the year. Dec. 31, 2013 – Before the final rush of the holiday season, note that contributions to 401(k) and 403(b) qualified retirement plans must be deposited by this date to […]

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When you purchase or refinance a home, the average escrow period runs around 30 to 45 days.  During this period the lender is going through your loan application and verifying the information that was listed and provided to them.  There are a few things that you should be aware of during this process: Be sure […]

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Elder Abuse Awareness

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Recently I have attended presentations and read various articles and campaigns spreading awareness about elder abuse.  It is valuable information that must be passed on.  There are different types of abuse that can occur, but in this article I’m particularly focusing on financial elder abuse. An Example of Financial Elder Abuse Kelly Phillips Erb, tax […]

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Ever Wonder What Happens During a Home Loan Approval Process? There are many steps that go into the loan approval process when applying for a home loan.  Below I will list out just some of the many steps a loan goes through from start to finish: First you make your application by providing the lender […]

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