Time to Refi?

Rates are at lows that I have never seen. The US weekly average rates were 2.71% for a 30 year fixed and 2.26% for a 15 year fixed for the week of 12/10/20. Over the last ten years, you can see on the chart below that these rates are rock bottom for fixed rate loans. […]

The Big Win- A Client Story

Christina and Tom are like many couples. They worked hard, built careers, had a baby, saved money and kept thinking about buying a house. Pre-Covid, they had already decided that they were pretty sure they wanted to move to the Boston area to be closer to family and be able to afford a nicer home. […]

Time to Sell?

My dad always tells me “Trees can’t grow to the sky.” But look at this picture. Despite a continued global pandemic, economic contraction and millions unemployed, the stock market keeps on going. Many of the companies for which my clients work has seen their equity values continue to increase since March 2020. Can this rise […]

HOW MUCH IS YOUR HEALTH WORTH?

Health insurance, co-pays, out-of-network, out-of-pocket, OT, PT, etc. are significant costs for a family. Add to those costs a gym membership, fitness classes and mental health costs and you’re talking a couple of thousand dollars a month. This is doable when you are employed and have a steady paycheck coming in, but Covid-19 has shown […]

Year of the Rat & Your Money

Say goodbye to the Year of the Pig, and hello to the Year of the Rat, the first year of the 12-year Chinese Zodiac cycle. Last year, the Pig was supposed to symbolize wealth and generosity, and be a calming force in world events. Hmmm, not so sure that manifested. The Rat is all about […]

Can you afford a family pet?

I love dogs, especially Golden Retrievers. I have always had a Golden in my life. I had Max, Toby, Jake, Clyde, Bow, Gussie and now Cali. I got Bow when I was in college and Gussie a few years later. Each dog lived to the age of 13, and each passed away when I had […]

Living the Dream in the Bay Area- Is it worth it?

The Bay Area is a beautiful place to live. Mountains, beaches, great weather, robust economy, wine country, great food, active inhabitants, etc. However, making a life here is no small feat. To break even in this area you have to gross $250,000 as a family. To make this much money most families need to have […]

Have Your Cake and Eat It Too- Freelance!

Do you want to work from home? Do you want more flexible work hours? Do you need to make some extra money to afford your desired lifestyle? Maybe it is time to join the Freelance Economy. In almost every industry, freelancing has become popular for professionals looking to take more control over their hours and […]

Smart Frugality

With the holidays approaching and spending about to ramp up, at least for most people, there are ways for you to reign in holiday expenses and save some big money. With Craigslist, eBay, Nextdoor, and innumerable online consignment sites, you do not have to sacrifice quality to save money. I do not like to spend […]