Latest Posts

Different Types of Mortgages

by Andrew Carillo on Oct 26, 2018

If you’re currently in the market for a home, it will speed up the process considerably if you’re familiar with the various mortgage options available. Finding a mortgage that suits your current financial needs can be challenging, but understanding the various types of mortgages available and their requirements can make the process less challenging.  Here are the most common types of mortgages, along with any specific requirements for each.

Things You Should Know About Social Security and Your Retirement

by Andrew Carillo on Oct 19, 2018

With more than 95% of American workers currently covered by Social Security, there are some things about this massive retirement program that you should probably know.  If you’re still in your forties or fifties, you can probably wait a few years to learn the intricacies of Social Security, but if you’ve recently entered your 6th decade on this planet, here are a few things you should be aware of:

Bankruptcy Basics

by Andrew Carillo on Oct 15, 2018

While never an easy decision, filing bankruptcy can provide immediate assistance to those struggling to pay their debts. A long, sometimes complicated process, filing bankruptcy should never be the first solution to manage debt, but can provide a way to start over, free from overwhelming debt.

The two most common types of bankruptcy filed by individuals and married couples are Chapter 7 and Chapter 13.

Pet Insurance, Cancer Insurance and Discounted Dental Plans: A Worthy Investment?

by Andrew Carillo on Oct 12, 2018

Pet insurance. Cancer insurance. Discount dental plans.

You’ve likely heard about all of the above options, but if you haven’t purchased one, you may not fully understand how they work, what they cover, what they don’t cover, and ultimately, if they’re worth the cost. Here’s a brief explanation.

Keys to Successful Debt Management

by Andrew Carillo on Oct 1, 2018

Perhaps the most encouraging outcome of the latest recession is the increasing emphasis on debt reduction by most Americans.  We are borrowing less and saving more, and, hopefully, developing some more frugal habits that can lead to healthier finances in the future.  Still, many people continue to struggle with their debt.  It takes a firm commitment and a lot of discipline, but

Financial FAQs

by Andrew Carillo on Sep 24, 2018

Here are the answers to some of the most frequently asked financial questions.  

I’ve just started my first job.  Do I really have to start saving for retirement now?