It’s a New Year, and it’s time to get things organized. If your estate plan is complete, go through this checklist for some follow up steps to consider. If your estate plan is not complete, make it a goal for the New Year. □ Review your existing plan. Do you remember who you named as […]
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Happy new year! This is the moment where everyone wants to lose weight, get healthy and is motivated to focus on fitness. Take full advantage and get momentum! There are so many trends and approaches to get in shape, but one thing is a fact – you have to do cardio. It is necessary to […]
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Five Simple Things You Can Do To Supercharge Your Weight Loss in 2014 1. Drink more water! Increase your water consumption and you will automatically be better prepared to lose weight. Water makes your body feel full, Is calorie free Helps your body eliminate toxins 2. Eat more fiber – in particular low starch vegetables. […]
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On January seventh the San Diego Coastal Chamber of Commerce hosted their first sun-downer-networking mixer of 2014 at the Grand Del Mar in Club M. The San Diego Coastal Chamber of Commerce serves the areas of Del Mar, Sorrento Valley, Torrey Hills, Carmel Valley, Torrey Highlands, Rancho SantaFe, and La Jolla. There was some great […]
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Understanding Your Dental Flexible Spending Account (F.S.A.) and How to Utilize it for Your Advantage A flexible spending account (FSA), also known as a flexible spending arrangement, is one of a number of tax-advantaged financial accounts that can be set up through a cafeteria plan of an employer in the United States. An FSA allows an employee to set […]
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When you purchase or refinance a home, the average escrow period runs around 30 to 45 days. During this period the lender is going through your loan application and verifying the information that was listed and provided to them. There are a few things that you should be aware of during this process: Be sure […]
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Recently I have attended presentations and read various articles and campaigns spreading awareness about elder abuse. It is valuable information that must be passed on. There are different types of abuse that can occur, but in this article I’m particularly focusing on financial elder abuse. An Example of Financial Elder Abuse Kelly Phillips Erb, tax […]
Continue reading …Ever Wonder What Happens During a Home Loan Approval Process? There are many steps that go into the loan approval process when applying for a home loan. Below I will list out just some of the many steps a loan goes through from start to finish: First you make your application by providing the lender […]
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Have you heard of these DON’Ts in FENG SHUI when you live in a 2 story home? Don’t have your bedroom above the kitchen. Don’t place your bed positioned above the stove downstairs. Don’t place your bed headboard in the same direction of your fireplace. Don’t place your bed next to your bathroom. Don’t place […]
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A couple, both age 65, retiring today will spend, according to Fidelity Investments’ 2013 survey, approximately $220,000 on health care during their retirement years – and that doesn’t include any assisted living or nursing care. While this year’s figure represents an 8 percent decrease from last year’s estimate of $240,000, making the most of your […]
Continue reading …Today’s underwriting rules can be fairly stringent on which income can be counted and how it is calculated. For example, income such as overtime, commission and bonus income must have a 2 year history of receipt and your employer must state that it is likely to continue in order to be included in qualifying for […]
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FasTracKids Collaboration with Dr. Shah, Assistant Professor at UCSD Two weeks ago FasTracKids Carmel Valley/Del Mar hosted Dr. Sameer Shah, Assistant Professor at UCSD. FasTracKids is an interactive child-centered preschool program designed to provide students from diverse backgrounds the skills and confidence required to succeed. Technology is strongly integrated into our classroom activities, and our emphasis […]
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