As of this writing, there are various down payment assistance programs available. Various programs are funded by different sources and you do have to be careful as different programs can run out of funding (money) at different times. Some of the primary sources are local cities and state backed assistance. Most down payment assistance programs […]
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Health Care Directives – One of Life’s Most Important Decisions California law provides individuals with the ability to document their health care wishes in the event they are unable to make health care decisions themselves. This may include documenting authorizations for organ donations, documenting the type of care and treatment you would want to receive, […]
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It seems so many places you turn today there is another discussion taking place about social security benefits and how to make the most of them. Understanding how to do this requires patience and the help of an expert financial professional primarily when you are married or have been married. Here are some facts for […]
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I don’t know about you, but I’m at the age where I’m considering different anti-aging skin products, and am always looking for ways to stay young, fresh, and healthy. This month I’m stopping to ask myself what is so bad about aging? Instead of trying to beat it, we should embrace it! Healthy Aging Month […]
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While college students may think of themselves as indestructible, the fact is they face many of the same health, property and liability risks as adults. Before your child or grandchild heads for college, do a quick insurance check. Health: Most students who have been covered by their parents’ policy can continue that coverage, usually until […]
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The Patriot Act was passed in 2001. The majority of Americans agreed it was a good idea. After all, the purpose of the legislation was to identify both foreign and domestic terrorists by tracking the movement of their financials. What many may not realize is how that has impacted the home loan process. Lenders will […]
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What do you do when you are named the executor in someone’s Will and need to administer their estate after their death? A probate may, or may not, be needed. Depending on the amount of assets in the estate, and whether or not the decedent also had a funded trust, an attorney can help you […]
Continue reading …You may choose to leave your estate to your child at your death. However, concerns may arise in doing so. Is your child financially unstable or irresponsible? Is your child a minor? Is your child involved in a lawsuit or bankruptcy? Is your child going through a divorce? Is your child receiving government benefits due […]
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Stepping into the role of financial decision maker alone typically is a daunting experience for anyone especially when it comes while you are grieving over the loss of your spouse. Here are some suggestions to help surviving spouses prepare for handling money and financial issues freeing up some time to deal with emotional needs. Address […]
Continue reading …Bank of Manhattan is a community bank based out of Manhattan Beach. We are the home lending office in Carmel Valley and carry forward the high customer service and local community feel that community banks offer. We have an amazing team that each individually offers over 12 years of experience. I myself have over 22 […]
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The Importance of Getting Pre-Approved by an Experienced Loan Officer. Have you heard a friend or co-worker’s story about trying to buy a home and then losing the home in the middle of escrow? Do you wonder how that happens and how to protect yourself from having it happen to you? There could be numerous […]
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Because we often forget about insurance until we need it, life, health, homeowners and disability coverage issues can get overlooked during a divorce settlement. In working through your divorce, don’t forget some valuable assets: your life and your health. Both directly affect your ability to earn income and to care and provide for yourself and […]
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