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Blog Archives

The Last Mortgage Refinance

  I know it’s not breaking news that mortgage rates are low. They are very low in fact.  At the last Federal Open Market Committee (“FOMC”) meeting in September they elected to keep the Federal Funds Rate unchanged.  The FOMC


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I Did the Math

  My son went surfing several times off the Narragansett Beach on the Rhode Island Shore this year.  He went with a couple of his buddies for the day.  They would rent surfboards and then go out all day. Recently


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7 Reasons Why All Investors Over Age 70 1/2 Should Consider a Qualified Charitable Distribution

  Our observation is that many people are very generous with the donations they make.  It sure helps that there is likely a tax deduction for this, no question.  Many people are accustomed to donating cash, writing a check to


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Estate Planning Lessons Learned From My Moms Estate

  My Mother passed away this year at age 84.  While her estate was fairly modest, here is some estate planning lessons we learned about her estate. Give While You Are Alive   My mom’s estate was modest.  She had


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Things are More Expensive When You Pay For Them Yourself

      We never gave our children an allowance when they were growing up.  I had an allowance when I was a kid.  Unfortunately for me my dad tied what I could get for an allowance to my grades. 


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The Difference Between Good Debt and Bad Debt

    Good Debt   For most folks one of their primary goals is to be Debt Free.  With that said, there will be times when it is appropriate to borrow money. Good Debt is borrowing to purchase a home.


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