How Does the Housing Market Prices and Mortgages all Work?

This week, the Federal Reserve (Fed) cut the federal funds rate and the prime rate. How will this affect the mortgage rate and housing prices? How much influence does the Fed have? A lot, but that is not the whole story. There are many other facts that chime in for mortgages and housing prices. The... Continue Reading →

What makes the Stock Market Go Up or Down?

What Powers the Stock Market? Pretty much it is all about fear and greed.  “Do not be deceived: God cannot be mocked. A man reaps what he sows. Whoever sows to please their flesh, from the flesh will reap destruction; whoever sows to please the Spirit, from the Spirit will reap eternal life.” Galatians 6:7-8 Hence the crazy reactions... Continue Reading →

The Dark World of Finance

You may have noticed the major fluctuations in the stock markets recently. Like Mr. Toads Wild Ride at Disneyland, while you have the stomach flu. Unless, you are safely invested and protected. Did you know many financial institutions are making massive amounts of money from your losses?   This is called, “short selling” or “going short” which I believe... Continue Reading →

Financial Planning Seminars

We offer Free Financial Planning Seminars in the Southern California Region. Our lead speaker used to be a Financial Planner and trainer at a major bank, and currently works in the insurance industry as a Financial Trainer with a Ph.D. in stewardship and is licensed. These seminars are done at churches, community and civic groups... Continue Reading →

Why Should you have a Financial Plan?

“Without counsel plans fail, but with many advisers they succeed.” Proverbs 15:22 I am a Financial Planner, so yes, I will persuade you why you should have a strategy to handle your finances and prepare for retirement. I will also tell you why it is essential to have a good insurance policy for your family... Continue Reading →

How to Pay Off your Debt Faster

How to Get Out of Debt Faster: Here are two of the best approaches to pay off debt. One is called the “Snowball” and the other is called the “Avalanche.” These work by accelerating the payoff by changing the order of your debts. Then, you will save hundreds to thousands of dollars in interest payments and reduce the time it takes to pay off the debt significantly. Sometimes cutting by years. And there is...

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