• airfare,  Uncategorized

    What Is Airfare Hacking?

    Some of you know that I just got back from a short trip to see the sites in Warsaw, Poland.  Whether it is a good idea to lose and gain 7 hours in the span of 5 days is debatable, the trip was a great success.  The best part is that the whole trip cost about $1,000, including airfare.  It all starts with something called “flight hacking.” This is not a complicated as it sounds.  There are a few tools that are easy to use, which can have you traveling the world for dirt cheap. Scott’s Cheap Flights The best flight hacking tool I have encountered is Scott’s Cheap Flights.…

  • planning,  Uncategorized

    Financial Planning In The Era of Marriage Equality

    Everyone should have some kind of financial plan.  For many people, this does not become clear until they get married and start a family.  Once there is more than one person to think about supporting, it becomes fairly obvious that a plan must be in place in order to avoid bad consequences for spouses and kids. Most financial planning instruments were devised before America embraced marriage equality.  As a result, these devices and mechanisms make assumptions about families that, in many cases, no longer suit the real world.  As a result, it is a good idea to make sure that you have a financial plan in place that will fully…

  • real estate,  Uncategorized

    6 Myths About Homebuying — Translated

    I came across an interesting article on Yahoo about “Homebuying Myths” (click here to see the article).  The article has some interesting information, but there are some things that I think could be added to make the article more helpful.  Here is what I would add — Myth 1 – You don’t need a 20% down payment to buy a home. This is true.  In fact, most of my clients do not put down 20% of the purchase price when they buy a home.  FHA insured loans require only a 3.5% downpayment, and there are other loan products that require as little as 5% down.  However, when you borrow more…