May 6th, 2022 – A Letter to our Clients
I wanted to reach out to you, to address the market turmoil and if or what should be done, why the market is moving as it is, and how long this may last.
FIVE WORKPLACE TRENDS THAT WILL SHAPE LIFE AFTER LOCKDOWN
We are experiencing the biggest remote work experiment in history – but many are beginning to imagine life after lockdown. Amid unprecedented global job losses, concerns about transport infrastructure and the continuing need for workplace social distancing, governments are launching back-to-work plans.
January 21, 2021 – A Letter to our Clients
I am not sure about you but I am thankful that we are now in a new year, and hopeful that this year will be far better than 2020. Last year was one of the, if not the worst years I have experienced in my lifetime.
IRS Offers Relief to Retirement Plan Participants
On June 19, 2020, the Internal Revenue Service announced new guidelines to help those affected by COVID-19 gain more access to retirement plan distributions and loans. The IRS expanded the categories of those eligible, called qualified individuals, and increased the dollar limit on loans to $100,000.
Top 5 Reasons to Become a Homeowner
Buying a home is a complicated process. Even finding the right home can be difficult in California’s inventory constrained market. Once you do, there is the negotiation process, contracts, inspections, appraisals, financing, and myriad other issues that pop up along the way. In many cases, your monthly mortgage payment when you do purchase a home can be more expensive than your rent, and that’s without considering the upfront cost of a down payment.
When IRA Conversions Don’t Add Up
If you're just skimming financial headlines, you might be inclined to order up a Roth IRA conversion--stat! "Now Is the Best Time in History to Do a Roth Conversion," read the headline in one publication. "Now Is the Perfect Time to Convert Your IRA to Roth," answered another.
What are seller concessions?
If you're in the housing market for the first time, the mounting cost of everything can get pretty overwhelming, even if you've been saving carefully.
Escrow and Seller Tax
Escrow accounts are not often discussed, but if you buy a home using a mortgage you'll likely have one - either by choice or as a requirement of your loan.
Owning Your Home
If you fall behind on your mortgage, the company that accepts payments on your mortgage contacts you. This company is your mortgage servicer. Your servicer is required to let you know what options are available to avoid foreclosure.
Choosing the Right Down Payment
Choosing the right downpayment amount is important and has impact on your payment, rate. fees and more.