- September 2008  
WHAT EVERY HOMEOWNER SHOULD
KNOW ABOUT PROPERTY TITLES

Why should you care about how you hold title to the real property you own? Many homeowners don't realize that the form of title in which property ownership is listed can have significant tax and legal ramifications. But there are several options to consider when choosing which is best for you....READ MORE »

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Retirement Savings – Little Things Mean a Lot
The “time value” of money principle holds that the longer you own a particular investment the greater the compounding of its return. This principle also supports the premises that a less than steady return will outperform a more erratic and possibly more speculative alternative....READ MORE »
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Curb the Cost of Teen Car Insurance
The sticker shock with teenage drivers is not the initial cost of the car, but rather the cost of insuring them as drivers. More than one set of parents have found their auto-insurance premium to jump by 100% to over 300%....READ MORE »
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Insuring Your Kids at College

Kids off at college? Here are a few pointers that could be cost saving and better insure your risk management needs: If the value of your student’s personal items is near the limits of your homeowner’s policy you might consider a special rider or separate renter’s policy. The premium for these alternatives can be very affordable and provide excellent coverage....READ MORE »

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Everyday Investment Lessons

The early bird gets the worm... The sooner you put your money to work the greater the effects of compounding interest. The earlier you start the sooner and greater will be your results. You still exercise careful judgment but you act decisively. For example if you invest $2,000 a year in your 401(k) plan starting at 25, you could have $559,562 by age 65, assuming an 8 percent annual return, compounded annually, tax-deferred....READ MORE »

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Economic Update
THE CAVALRY RIDES AGAIN
Capitol Hill rarely does things half-baked and their approach to the housing situation is no exception. It was the private sector that bent sound business judgment and pressed the lending limits to the breaking point. Now they cry for Federal intervention. Because of the implications to the economy as a whole, government is obliged to come to the rescue....READ MORE »
Housing Report
A COURSE CORRECTION
IN HOUSING

Losers Still Get Paid It must be great to have government backing for the business you hold stock in. Consider Fannie Mae, the giant quasi-government mortgage lender that just announced a 2Q08 loss of another $2.3 Billion, yet can still issue a dividend to its stockholders. Any wonder why the mortgage industry continues to fester? It is the taxpayers who are subsidizing their operations....READ MORE »

Quote
"Trust only movement. Life happens at the level of events, not of words. Trust movement.”
– Alfred Adler

 

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