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  • Qualified Personal Residence Trusts
    For many people, their primary residence is one of their biggest lifetime investments. It might constitute a large part of their estate and a large part of the inheritance that they intend to pass to their children. Accordingly, many people have two concerns when it comes to their primary residence. They are concerned both with protecting their home for their heirs and with … more
  • What are 'Acts of God' clauses in insurance policies?
    Traditionally, homeowner’s insurance policies have contained an exclusion clause for damages caused by “acts of God”, a catch-all term that covers any sort of act of nature that cannot be controlled, like earthquakes or hurricanes. “Acts of God” also typically include damages as a result of war, i.e. a nuclear war. In recent years, however, there has … more

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How-To's

  • How To Buy a Home
    Buying a home can be complicated, but if you take things step-by-step, you will soon be holding the keys to your own home! Step 1: Figure out how much you can afford What you can afford will depend on your income, credit rating, current expenses and debt, the down payment you can afford to make and the interest rate.  Your interest rate may be set for the life of the loan or may fluctuate … more
  • Facing Money Problems? How To Avoid Foreclosure....
    Unfortunately, when facing unemployment, unexpected medical expenses, funding the care of a family member, or other financial strains, you may find yourself struggling to pay the mortgages and worry about loosing your homes in foreclosure.  The good news is, you can avoid foreclosure and keep your home if you know the right steps to take.  The Federal Housing Administration, a … more

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