In this video, Debra Roberts, a Mortgage Advisor with Samuel Scott Financial Group, explains the difference between two common types of mortgages: Fixed Rated Mortgages and Adjustable Rate Mortgages. She breaks down the pros and cons for each type of mortgage and answer the most common questions borrowers have about these two types of home […]
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How to Overcome Your Fear of the Dentist & Avoid Dental Trauma If you’ve put off a cleaning for multiple years now, you aren’t alone. Many people struggle with traumatic memories of the dentist. This is often the result of having someone work “on” you rather than “with” you; yesterday’s dentistry methods didn’t always prioritize patient comfort and understanding. Having a […]
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In today’s economy, it’s not uncommon for borrowers to have less than perfect credit. When the housing market crashed in 2008, many people lost their jobs and were left struggling to make ends meet. These financial hardships led to missed mortgage payments, foreclosures and sometimes even bankruptcies. But now, as the economy begins to shift, […]
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The TRX is a great at home tool for extremely effective core and total body workouts. It’s not only extremely versatile and one of the best pieces of equipment on the market for tightening and toning, it is so small that you can carry it with you on trips or even to your local gym […]
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We are used to hearing that if we want to look and feel younger we should exercise, eat right, and maybe even consider cosmetic treatments that run the range of injections all the way to surgery. But what if the way we care for our teeth could also have an impact? Can dental care really […]
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For many of us, the Holiday Season can be the most difficult time of the year for those trying to lose weight. Times spent together with family and friends, the company Holiday party; it’s a time for lots of eating and drinking. Every occasion is an excuse to take a holiday from our normal eating […]
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Help your preschooler learn about books and book handling. The next time you share a story with your preschooler, try this! Examine the front cover, back cover, title page, and the title of the story. Track text while you read. Point at each word while you read it. Show how you read each page, following text […]
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Don’t expect to see any rockets flying through the Carmel Valley skies anytime soon but a recent sign that Carmel Valley is becoming a regional epicenter of entrepreneurial activity and start ups is the establishment of a business incubator called Procopio LaunchPad at the High Bluff office of the prominent San Diego based law firm. […]
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In today’s economy, coming up with enough money for a down payment and closing costs can be challenging, especially for younger and first-time home buyers. It’s not uncommon for home buyers to borrow money from family or close friends to help with the costs of purchasing a home. In this video, Christian Alvarez, a Mortgage Advisor at […]
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The estate plans of the rich and famous regularly make the news. The battles surrounding Michael Jackson’s estate are no secret, and Whitney Houston’s estate plan (or lack thereof) has received criticism this past year. The newsworthiness of these celebrities seems to indicate that only the wealthy need an estate plan. That couldn’t be farther […]
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Establishing a very good partnership with your divorce attorney is critical as it has an enormous impact on the process, outcome and cost of your divorce. Take time to carefully pick the best attorney for you. Here are some do’s and don’ts to get you headed down the best path. 1) Before going to see […]
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While the majority of borrowers use conventional financing for their home loans, sometimes non-conventional financing is a better option… and sometimes non-conventional financing is the only option. In this video, Christian Alvarez, a Mortgage Advisor with Samuel Scott Financial Group, explains the different types of specialty loans that are available for buyers with “out of the […]
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