“I believe that through knowledge and discipline, financial peace is possible for all of us.”

This week’s success story is about investing. One of my first students to graduate from my new online beginner investor course, www.Mycashflowacademy.com closed on his first investment property with positive cash flow.  As he tells it he had entrusted friends in the...

For some people renting truly is better than buying. If you have plans to be a creator, or move a lot, or building a business, you foresee a decrease in income for some reason or some other priority where your cash for a down payment is needed elsewhere. But I submit...

I get this question a lot. Why did rates suddenly jump up? What made interest rates go down all of a sudden? If you are worried about the interest rates on your home loans in Torrance California, click here for more information. The first word I can think of is...

Should I have my taxes and insurance in my mortgage payment? I just received a property tax bill. Do I have to pay it or SHOULD I have my taxes and insurance in the monthly payment? That’s a great question. Having your taxes and insurance in the mortgage payment and...

  Can I use the equity in my home to buy my first rental property? Yes, the good news is that when buying a rental property, you can use other assets, even the leveraging of other assets to purchase the new estate. Depending on the loan program and type of...

I recently had a conversation with a client who had just gotten loan approval and was still amazed that they got the loan approval because they had been turned down three times by their banks. They had been to the bank of America, Wells Fargo, and Credit Union; all...

I just got married and want to add my spouse to the ownership of the home.  Congratulations! Yes, this is a question I get a lot.  When we get married, some of us see this as a "we're in it together" all or nothing, as it should be. Putting your spouse on the title...

Jan has lived in her home with her husband for forty years. Sadly, he passed away recently and she was now living in the home alone. She decided it was time to downsize and move into an active senior living community. Her home was in a wonderful community. She went to...

This week had a lot of data points but they were fairly benign compared to last week. Still the 30-year-fixed came and the FHA 30-year-fixed came down a little, but the rest of the rates stayed the same.  On Tuesday the February CPI (consumer price index), one of the...