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Financial Safety

Why Start with the House?

I came up with the idea for “Start with the House” a few years ago after looking at financial profiles of several hundred home buyers and home owners.  I realized that people have a much greater chance of getting ahead financially when they ‘Start with the House”. What does it mean to Start with the [...]

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Asset Location

Many Financial Planners will talk about “Asset Allocation Strategies” as a way to safely grow your net worth.  Asset Allocation strategies sound pretty complicated to me, so I like to look at “Asset Location” first. What is Asset Location? Asset Location is having a plan for where you are going to locate your Assets – [...]

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Home Equity is Just a Number

A recent Wall Street Journal story said, “More than 40% of borrowers who took out a mortgage in 2006 — when home prices peaked — are under water. Prices have dropped so much in some parts of the U.S. that some borrowers who took out loans more than five years ago owe more than their [...]

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What your Emergency Fund should look like

Most every financial adviser, financial book, or financial ‘guru’ will suggest that you need an emergency fund.  I agree with that, in fact, I place that as the highest priority in my StartwiththeHouse system. Where a lot of people fall short is determining how much should be in an emergency fund and where should that [...]

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Life Insurance 101

I found this great video primer on Life Insurance at www.LifeHappens.org.  LifeHappens.org is an industry sponsored website, so of course it has a positive view on life insurance.  As a mortgage specialist, father, and husband, I also have a positive view on life insurance, so their bias doesn’t bother me. Your life is too important [...]

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