The Importance of Total Consumer Health

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If I told you that a third of consumers  admit that their knowledge of health insurance is lacking, would you be surprised? As insurance and health care becomes more and more complicated, with High Deductible Plans, Health Savings Accounts, Point of Service Plans, Preferred Provider Organizations Plans, copays, coinsurance, deductibles, premiums, etc., it’s no wonder people can’t keep up.

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Home Buying: Are Sellers Trying to Hide Hidden Issues?

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Whether you are a first-time buyer or a real estate mogul, there are still plenty of issues that can happen along the home buying process, including finding issues that weren’t disclosed by the buyer. Even though the homeowner is required to sign a disclosure document, it doesn’t always mean that it’s accurate – whether they know about the issues or not.

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“Kiddie Condos” – The Newest College Housing Trend

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“Kiddie Condos” are one of the newest buzz phrases and latest trend for parents of college students who are looking to treat room and board as more of an investment vs. an expense. The concept: Purchase a home, condo or  apartment in the town where your college student goes to school, purchase the home with them on the mortgage, and have them live there vs. campus housing or renting off campus. The idea behind the strategy is to put the money a family would generally spend on room and board, required meal plans, and out-of-state tuition into a property.

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Bankruptcy 101 – Pros and Cons

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Over the past decade, filing for bankruptcy has become far less taboo – good, bad or indifferent it’s become far more mainstream for both businesses and individuals. 

For individuals, there are 2 types of Bankruptcy – Chapter 7 and Chapter 13. With Chapter 7 you must have an insufficient income to allow you to pay at least a portion of your debts. Under Chapter 7, you either pay for or give up your property for secured debts. You surrender any nonexempt property in order to pay off as much of your other debt as possible. You keep all of your other exempt property and are forever released from any obligation to repay the remaining dischargeable debt.

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