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Children!  There is nothing like them.  They can be our sweetest blessing, as well as our most challenging frustration.  But most of all, they are our greatest responsibility, our most important commitment.  Raising children is not easy.  Most parents would agree that it’s the most expensive, lowest paid hard work there is. Whether you are […]

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In today’s housing market, rules, regulations and even types of home loans offered are constantly changing.  In order to help understand the different types of loans offered today, Brian Reynolds, of Samuel Scott Financial Group, shares his knowledge and expertise on stated income loans and how they are no longer just something from our past, […]

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FHA Home Loans Explained: The Benefits and Basics of Getting Qualified Christian Alvarez, a Mortgage Advisor at Samuel Scott Financial Group, shares his knowledge and expertise about FHA loans and gives us an overview of everything we need to know about them. FHA Loans are great loans for first-time homebuyers, as they tend to have […]

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Succession Planning for the Family Business is Critical, But Not Always Easy The family business – the bedrock of the American economy – rarely survives the transition from one generation to another.  Possible reasons are many, yet any working list will reflect an underlying problem: dealing with transition issues often leads to a plethora of […]

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An integral part of your estate planning is determining who will make financial decisions for you and your estate when you can’t make the decisions yourself.  A trustee is the person or institution you name in your trust who will administer your estate and carry out the instructions in your trust during your incapacity and […]

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Special needs planning For the family of a child with special needs, it is necessary to implement a comprehensive estate plan because there will be several unique circumstances along with many decisions that may affect that child’s quality of life.  Whether a family has substantial means or few assets, a child or adult with special […]

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Is a VA Loan right for you? Alex Scoma, a Mortgage Advisor at Samuel Scott Financial Group, explains VA financing and what you need to do to qualify for a VA loan.  Please continue reading below… The VA loan is designed for active or retired military, Coast Guard and National Guard personnel.  A surviving spouse can […]

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This is a time of great change and economic uncertainty in America.  With the stock market taking us on a loop-deloop rollercoaster ride, two polar opposite economic philosophies fighting it out in the Halls of Congress, and the passage of huge, high-impact healthcare legislation with consequences that will not be understood clearly for years, the […]

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This is an on-going series of important things to consider when dividing property to reach a settlement agreement.   Financial Assets Financial assets include cash, savings accounts, checking accounts, Certificates of Deposit, money-market accounts, stocks, bonds, Real Estate Investment Trusts (REIT), mutual funds, and savings bonds. These assets may be more important to the non-working […]

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You’ve made the decision to buy a home, heavily weighed the pros and cons and are now ready to begin the home buying process.  But where exactly should you begin?  Mark Robertson, of Samuel Scott Financial Group, offers his expertise on how to prepare for buying a home and getting a loan in order to […]

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You’ve sat down with your spouse and hammered out what you think is a pretty great settlement: you get to keep all of the property you really wanted and your future ex gets stuck with all of the debt.  Whether or not that agreement will hold up in court depends on a number of factors, […]

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Purchasing a home is such an exciting process, but it can be slightly overwhelming at times too, especially when you are just starting to learn about all the mortgage options available in today’s market.  In order to get a better understanding of two common types of loans, jumbo and conventional, Brian Reynolds of Samuel Scott […]

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