Your Life is Filled With “Plans” Our days are structured around plans. We can now speak into our iPhone’s, tell Siri our plans, and have our calendar scheduled for us. Our plans include the meetings that fill up the work day, planning out the kid’s activities and play dates, and planning what to do in […]
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When you’re negotiating your divorce settlement, preparation is the key to success. Are you really ready to negotiate your future? During the course of your marriage, you accumulated both assets and liabilities. Although there are regional differences when it comes to who gets what, basically, everything purchased, received, or saved during your marriage must be divided […]
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Dick couldn’t wait to retire. He studied his projected retirement benefits from his 401(k) plan, ran a couple of “what-if” scenarios on what he could count on from other assets, and checked with Social Security to determine what he could expect in terms of his monthly check. He and his wife put their house in […]
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In our industry, people often confuse pre-qualification with pre-approval. There is however, a very significant difference between the two. In a purchase transaction, it is important to understand and know the difference so you can avoid needless complications and/or setbacks during the buying process. Please continue reading below… Simply put, a pre-qualification is an estimate of what […]
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I could tell you the importance of having an estate plan repeatedly. But the message may not be as interesting coming from me, as it would coming from the entertainment industry. The ABC sitcom Modern Family, aired an episode during their second season called “Someone to Watch Over Lily.” This episode centered around the characters, Mitchell and […]
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“Closing” your home refers to a time period during a purchase transaction, where the contract is executed and the conveyance of title is given to the buyer from the seller. For the buyer, this is a great point in time during the transaction, especially since it indicates that he or she is in the final stages […]
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How to prepare yourself to deal with the financial realities of divorce – especially in today’s economy. More often than not, the standard of living of both spouses drops in the first few years after divorce. Why? Because the same cumulative income and pool of assets now has to support two households instead of one. […]
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Paying College Expenses for Your Grandchild? Here are some important things you should know. Grandparents have been helping their grandchildren obtain a college education for decades. There are numerous ways in which that can be achieved. The following are a few things grandparents in the Carmel Valley community should keep in mind as they contemplate […]
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Samuel Scott Financial Group, a boutique company, has been selected as The Best Mortgage Company in San Diego for the 5th straight year by readers of local publications. Founded by President Todd Pianin and Executive Vice President Brian Reynolds, the compnay is known for its long standing reputation for catering to loan profiles throughout San […]
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The last four years of a challenged economy have resulted in many Americans facing financial difficulties. We now find ourselves in an environment where investments (i.e. real estate, stocks, etc.) have lost value, unemployment has doubled, and overall spending has decreased dramatically. Please continue reading below… The unexpected hardships, such as losing a job, have left […]
Continue reading …How to prepare yourself to deal with the financial realities of divorce – especially in today’s economy. More often than not, the standard of living of both spouses drops in the first few years after divorce. Why? Because the same cumulative income and pool of assets now has to support two households instead of one. […]
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A recent survey suggests that many couples are not communicating clearly about retirement goals and strategies, even as they approach retirement age. The couples surveyed were at least 46 years old with a minimum annual household income of $75,000 or at least $100,000 in investable assets.1 Only 41% said they handle decisions on retirement savings […]
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