Take Advantage Of The Holiday Mood In November Real Estate

Posted by Richard on November 10, 2020

At this time of year, everyone else is going over the river and through the woods to grandma’s house, but a brave few are headed into the real estate market. Is that a smart move? Depends on how you look at it. There is no doubt that the real estate market slows down at the […]

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How Bad Has 2020 Been For Insurance? Look At The Numbers

Posted by Richard on

If you live in Oregon, Washington or California, you may no longer be able to get insurance to cover damage from wildfires. Insurance losses from recent wildfires are adding up to be some of the largest on record. Insurers are moving to raise rates and refuse policy renewals in regions with high fire risk, according […]

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Home Inspection Is Not Just For Home Buyers

Posted by Richard on

In one way, home repair contractors are a little like doctors who are known to say, “If only you had come to me sooner…” It’s easy to put off checking with your doctor about little aches and pains that could lead to something serious. It’s just as easy to put off maintenance that could help […]

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Shut Down The Noise Of Friends When It Comes to Money

Posted by Richard on

Most people think that their friends don’t influence their finances, but it can happen in subtle ways. Take the friend who goes on a cruise three times a year. They might always want others in their circle to join them. The temptation to join is high. It is so much more fun to vacation with […]

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Raking Leaves: Not A Chore, It’s Exercise

Posted by Richard on October 13, 2020

Variety is not only the spice of life, it’s close to inspirational when it comes to regular exercise. So here it is, the exercise you can get during only a week or two of the year: Raking leaves. Raking on a beautiful fall day gives you a chance to work out in nature’s health club. […]

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Seniors In Lock-Down: How Long?

Posted by Richard on

Rose is 92 in a nursing home. She has a mobility problem, but no serious illnesses. She has never touched a sip of alcohol, nor puffed on a cigarette. The kids joke she will live forever. Rose isn’t joking when she says she is planning to “escape from this hell.” Months into lock-down from COVID-19, […]

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Fantastic Seller’s Market Offers Best Prices In Years

Posted by Richard on October 7, 2020

The millennial generation has grown up and they want to buy homes. Every year for the next 10 years, millions of millennials will hit home buying age. The average age of a millennial is 32. The average age for home buying is 31, according to ETF Trends. No wonder there is a record boom in […]

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Bologna Or Turkey? Apples Or Oranges? Understanding Opportunity Costs

Posted by Richard on

In the thousands of little decisions we make every day, the costs are probably minimal. The difference in cost between taking a bologna sandwich or a turkey sandwich to work for lunch is trivial. But the difference between a bologna sandwich for lunch and a lunch at a pricey restaurant starts to get our attention. […]

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Consider Disability Insurance for Unexpected Illness or Injury

Posted by Richard on September 8, 2020

Everyone knows a little about Social Security Disability, but not many working people realize it is very difficult to get. Only abut 30 percent of the applicants are approved and the system is cash strapped. Still, becoming even temporarily unable to work is a very real problem. According to the Social Security Administration, one in […]

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Suburban Families Look Into Moving As Crises Impact City Life and Work

Posted by Richard on

The kids love their schools. Mom’s family is nearby. Dad works in the city. So the suburbs, though expensive, work. But what happens when the schools are closed, friends have fled and Dad spends all his time working from home? That is a scenario that might open a trend to move away from high-tax states […]

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