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Moving

How-To

A bank relationship is usually long-term.  So pick a bank that offers the services you want tomorrow, as well as today, most reasonably.  

How To Pick a Bank

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Eight in 10 Americans choose a 30-year fixed-rate mortgage. Should you?

Figure Out Your Best Mortgage

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It changes what you own, what you owe, & your monthly expenses.

Figure Out How Moving Changes Your Finances

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Retirement planner if you're approaching retirement.

Figure Out a Retirement Plan (if 50 or over)

How-To

Money in your pocket gets spent.  So set up a system that moves it where it should go before it gets spent.  

How To Move Money From Spending To Savings

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Know how you're taxed, how you might save, and how taxes change in retirement.

Learn About Federal Taxes

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Small changes can have a big impact.

Figure Out Where to Cut Spending

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A simple quiz to help you know where to get the best return on your savings.

Learn About The Best Return on Your Savings

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To protect yourself you need a reserve, usually about 2-4 months’ pay.

Figure Out a Reserve for Unemployment

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A low-cost way to borrow using as collateral the equity in your home – the mortgage-free portion of the house you own.

Learn About Home Equity Loans & Lines of Credit

How-To

To get a better loan and borrow on more favorable terms.

How To Improve Your Credit

How-To

If trust and expertise is what you want, here's how to find a planner that fits the bill.

How To Pick a Financial Planner

How-To

Banks, brokerages, and mutual fund companies offer IRAs. Choose the one with the products and services you want for the lowest fees.

How To Open An IRA Account

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It usually makes sense to use savings to pay off the mortgage after you retire, but probably not before.

Learn About Paying Off the Mortgage

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Costs often run 3-8% of the loan amount.  Some can be split with the seller or lender.  Those you pay can often be rolled into the loan.

Learn About Mortgage Closing Costs

How-To

You need to show lenders that you and your home are good investments.

How to Get a Mortgage

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Know where your money goes, to spend smarter and live within your means.

Figure Out a Budget in 3 Minutes

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Get a personal estimate in 6 minutes or less.

Figure Out How Much Life Insurance You Need

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Uninsured medical expenses can bankrupt you. So at least have insurance that covers very large bills.

Learn About Medical Insurance

How-To

It’s often hard to know how much you’re spending – until you overspend.  So set up a system that puts you in control.

How To Manage Everyday Spending

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To 1) cut your payment, 2) pay it off faster, 3) get cash, or 4) switch to a fixed or adjustable rate loan.

Figure Out "If You Refinance ..."

How-To

A 9-minute checkup to see where you stand and get your finances squared away.

How To Check Your Family's Finances

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There’s nothing wrong with borrowing – we all borrow to buy a house or a car – as long as you don’t borrow stupid.

Learn About Borrowing Smart

How-To

For greater peace of mind & more to spend or save.   

How To Pay Down Debt

How-To

You'll sign papers that make you responsible for the mortgage loan and monthly payment.  If buying, you'll also get title to the property.

How to Close on Your Mortgage