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Monthly Archives: January 2018

    Lower Your Expenses without PMI

    By Carla Higgins | January 30, 2018

    Mortgage loans for more than 80% loan-to-value typically require private mortgage insurance. Mortgage insurance reimburses the lender if a borrower defaults on a loan. PMI is expensive, and homeowners should be aware of how to remove it when certain conditions have been met. A borrower can request in writing for the lender to cancel the … Continue reading Lower Your Expenses without PMI → Read More

    Ready for Retirement

    By Carla Higgins | January 23, 2018

    It can be shocking to hear how many people spend more time planning their vacation or next mobile phone purchase than planning for retirement. It is hard to imagine that they are expecting Social Security will take them through their golden years. A person who has paid in the maximum each year to social security … Continue reading Ready for Retirement → Read More

    Balancing Risk and Deductibles

    By Carla Higgins | January 16, 2018

    The benefit of insurance is to transfer the risk of loss to a company in exchange for a premium. The deductible is an amount the insured pays out of pocket before the insurance starts covering the cost of the loss. The challenge is to balance the risk an insured can accept with the premium being … Continue reading Balancing Risk and Deductibles → Read More

    Homeowner Tax Changes

    By Carla Higgins | January 9, 2018

    The new tax law that was signed into effect at the end of 2017 will affect all taxpayers. Homeowners should familiarize themselves with the areas that could affect them which may require some planning to maximize the benefits. Some of the things that will affect most homeowners are the following: Reduces the limit on deductible … Continue reading Homeowner Tax Changes → Read More

    Surprise When Renting Your Home

    By Carla Higgins | January 2, 2018

    Planning to go to the Masters next April 2-9th and don’t have a place to stay. Each year, there are homeowners who rent their home for a big premium during the Masters because hotels are in short supply and demand for private homes is up. Homeowners go on vacation and make tax-free income while temporary … Continue reading Surprise When Renting Your Home → Read More

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