Considerations When Refinancing Your Home

Mortgage rates are dropping and they are at one of their lowest points in recent history. You may be thinking of refinancing your home, and for good reason. But before you begin the search process, reflect on the reasons why you are looking to refinance:       Want a lower monthly payment?       Want to expedite your …

Eliminate the Noise and Focus on What You Can Control

We have heard this concept for years, and while in theory this seems very simple, it is quite difficult in practice. Think about these past few weeks, where a large number of schools and businesses have moved to remote operations, rendering us confined to our home. With nowhere to go, we find ourselves watching the news and scrolling through social …

Will Social Security Be Around When I Retire?

The Social Security Act was enacted in 1935 as a means to provide a safety net for elderly, unemployed, and disadvantaged Americans. The Act was also to pay financial benefits to retirees over the age of 65, and the payout to be based on the amount contributed via payroll tax contributions. Since its inception, Social Security has been plagued by …