Lenders usually require PMI when someone buys a house with less than 20% down. PMI protects the lender in case the buyer can’t pay the mortgage. Once your loan drops to 80% of the house’s value—because you pay down the principal or your home increases in value—PMI is no longer required. Call or write your…

It’s a bit late in the game to start thinking about how to avoid a wrongful termination lawsuit once an employee has already been fired. In fact, one of the most effective defense measures against wrongful discharge lawsuits is a short statement on the employment application form specifying that employment at the company is on…

Time-Tested Investment Advice from David Granger David Granger hadn’t planned a career as a stock picker. But during the 1920s, his two older brothers worked for the family’s Wall Street firm, Granger & Co., and their father wanted all his sons to work together. So in 1925, David Granger joined the firm, and, for $125,000,…

Many people are fed up with the high fees from banks and have considered taking their business to credit unions. By switching, you can greatly reduce the amount of fees you pay on a monthly basis and even earn more interest on the money you have in your accounts. The estimate is about $300.00 more…

An annuity isn’t a mutual fund that you buy today and sell tomorrow. Nor is it a certificate of deposit, ready to be used at maturity. When you buy a tax-deferred annuity, you are making a 15 to 25-year commitment at minimum. That’s because you could have chosen to buy those same mutual funds outside…

With tax season in our rear-view mirror, let’s take a moment and review the top ten tax filing mistakes from this past filing period, so you can avoid the same traps in 2019. Since most Americans prepare their own taxes, with a high percentage of using an online tax service, these mistakes continue to be…

Tax season is upon us again, and the age-old question of “Who should help me prepare my taxes?” is endlessly heard. Should you take the tip from your barista, your neighbor, your uncle who all claim, “I have the best tax person!”? Before you do, you might want to consider a different approach, especially with…