Category Archives: Finances

Dave Ramsey’s Financial Peace University

This class will teach you everything you need to know about dumping debt, building wealth, and changing your family tree Continue reading

Wes Asks… I have already negotiated the price on the home I am purchasing but the appraisal came in lower than the price. How can I challenge this value?

If an appraisal has come in low, you can request to know what type of appraisal was done and if there are comparables available to submit a reconsideration of value to the appraisal management company. Continue reading

Jake Asks… Im a new college graduate and need to build some credit. Any ideas?

Be diligent and keep on top of your bills at all times – it will take a bit to earn a high credit score but your time and energy will pay off – literally –you’ll get lower rates and better terms on your future financing! Good Luck!
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Johnny Asks… I’ve heard sellers are getting multiple offers on their homes… is there a way for me to stand out and have them choose my offer?

One way to get noticed by the seller is to put your thoughts on paper – a love letter of sorts to sellers telling them what you love about the house and why you are the best buyer! Continue reading

Jillian Asks… I found the home of my dreams but am struggling to come up with enough money for a down payment. Would it be a good idea to use money from my retirement savings towards the down payment?

Tapping into your 401(K) for a loan is not necessarily a poor decision. It does depend on your overall financial situation – so what is right for you may not be for someone else. Continue reading

Wayne Asks… I am in the process of being approved for a mortgage and want to make sure that I do in fact get approved. What are some things that could prevent my approval?

Bottom line is that if you plan ahead for the expected and unexpected, you will be prepared and a good risk for the lender!

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Andrea Asks… I am first time renter and have been told that I should get renters insurance. Is this true?

I would highly advise that all renters consider using renters insurance Continue reading

Andy Asks… I dont know what to believe when it comes to tax rules… How can I be sure I wont mess up my filing?

There are many widely-held myths about our tax system that cost taxpayers money every year. Continue reading

George Asks… I just got a letter from the IRS that I am going to be audited. What does this mean? Will it affect my ability to get a mortgage in the future?

Congratulations!  You have been selected to attend an IRS audit!  Although there are a number of “lucky” people selected completely at random by the IRS computer, the majority of returns chosen for review drew attention for specific reasons.  So how … Continue reading

George Asks… My 35 year old son recently fell on hard times and asked to move back home. My wife and I want to help but we are concerned… any advice?

So, when your adult children have a temporary situation like a job loss, divorce or something of the like, it is natural to want to help them and I say YES – absolutely , however, set some family ground rules! Continue reading