Category: Tips

7 Important Things to Know About Your Credit Score

Are you wondering why your credit score is important, and how you might improve it? At some point, you will most likely need to apply for credit.  Then, when you apply for credit, you have to demonstrate to your lender that you can repay the loan.  One of the tools that lenders use to build…
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How To Get a Rental With Bad Credit

Are you wondering if your bad (or less than perfect) credit will affect your chances of getting a rental?  For example, if you have bad credit or no credit, you likely have doubts, questions, or concerns about being approved for a rental home. While it won’t be easy, there are some things you can do…
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Five Things to Look out for when Hiring an Investment Advisor

Maybe not everyone knows that the relationship between investment advisors and their clients is all based on trust. And trust is something that requires time to be given.  They say it’s not easy to find a trustworthy investment advisor, and I do agree with that: I am a professional investment advisor and I work hard…
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Fast Track to Financial Stability

Congratulations! You have made the single most important step in the entire process – searching out how to become financially stable. In my 20’s and early 30’s, I made tons of mistakes.  I overspent, mis-used credit, and basically lived a “Rock star” lifestyle- without any care in the world.  The problem is, I’m here to…
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Tips for Travelling Without Breaking the Bank!

Being financially independent also means being free to travel anytime you want. Obviously it must be done without impacting your cash flow too much. Here are some tips to achieve that. Do your research. Start planning way in advance. Prepare a spreadsheet with all the expenses (hotels, transportation, meals etc) and see how much the…
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Conventional Mortgage Finance Hack

If you, like many, struggle to get the 20% Down Payment required to purchase a home (without mortgage insurance/PMI), consider this creative financing hack. If you are buying the property (i.e. not refi) ask the lender to lend based on the appraised value, if it appraises higher than the sale price. If the appraised value…
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