Year: 2019

Mortgage Rates Plunge…Opportunity?

As fears of a recession grow due primarily to trade-war concerns, home mortgage rates have followed the 10-year treasury rates down…to their lowest levels in three years.  Here’s a quick review of current rates (source: Freddie Mac 9/5/19): 30-year conventional mortgage: 3.49% 15-year conventional mortgage: 3.00% What’s even more surprising is that non-conventional ‘jumbo’ mortgage […]

Choose Your College Major Wisely

As students head back to college, many will be choosing their major.  When I attended college decades ago, I gave very little thought to my major course of study.  In fact, I was more guided by which was the easiest path to victory (a college diploma)!  For me, that ended up being a marketing major […]

Retirement May Be Hazardous to Your Health

I was with a retired physician friend not long ago and inquired, “How’s retirement life going?”  His response was, “Stewart, never quit a high-paying job you love!”  he was bored and having trouble filling the void left by a forty-plus year fulfilling career. For the past thirty-plus years, I’ve worked with hundreds of people helping […]

Child Headed To College? Think About This!

Sending your child off to college is…well, a huge deal!  They are beginning the next phase of their life as they transition from adolescence to young adulthood.  As parents, we often hold onto that image of our young child and fail to think of them in adult terms.  Doing so can cause us to miss […]

The New Parent Financial Checklist!

Becoming a parent is an exhilarating experience, but also comes with a great deal of responsibility!  On August 2, 2019, my wife and I welcomed our second child, Jones Carson Clay, to the world, and we feel very blessed.  Between helping my wife with various tasks, including diaper changes, feedings, cleaning clothes, etc., my financial […]