Author Archives: #nofeeslender

About #nofeeslender

Having invested more than a decade of solid experience in the Real Estate Mortgage Industry (in Retail Banking, Retail Brokerage and Wholesale Banking Lending) along with countless years of cutting-edge, high-technology real estate computer system knowledge, I gratuitously provide my Valued Clients--both "Property Virgins" and Long-Term "Real Estate Gurus"--with informative, analytical, technological, resourceful and expert advice that help them make the best informed decisions for their own unique situations to reach their mortgage planning goals. Specialties:"I specialize in helping individuals like you and family like yours find, qualify for and own a home of their dream with little or no money down, even with less than perfect credit!"

Two types of Medi-Cal

With the start of California health care reform in October, you will also hear a lot about changes to Medi-Cal. It is important to remember the following. There are two types of Medi-Cal:  Health Insurance Medi-Cal and Long-Term Care Medi-Cal (LTC Medi-Cal). The … Continue reading

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Wealth-Killers

While doing research, I came across four stunning new revelations about 401(k)’s and IRA’s. If you have money in one of these plans, I urge you to read this today to find out how to protect yourself from making costly … Continue reading

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What’s On Your Key Chain?

What’s On Your Key Chain?.

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What’s On Your Key Chain?

Take out your key chain and put it on the table. You’ll see the house key. Do you have homeowners insurance? Next, you’ll see the car key and think, “My car is insured, too?” You may have some other items … Continue reading

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Tax considerations in retirement

The amount of tax you owe at retirement depends not only on your income, but also on the type of your retirement plan and the timing of your withdrawals; you’ll want to consider retirement strategies that provide tax deferred growth … Continue reading

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Vacation: It’s a Family Affair

Say “summer” and most people think “vacation.” The reality is that most adults work year-round, and some seasonal workers may even be busier in the summer than during other seasons. Children of working parents may continue to have schedules just … Continue reading

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Disability Facts that Might Surprise You

In times like these, good decisions matter. And when it comes to protecting a portion of your income from disability risks, it’s important to base your decision on the facts. In the case of disability, some of those facts might … Continue reading

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