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May 9, 2018

Here's an article that savingforcollege.com posted that's a good run down of things to look for in your "offer" letter. 

The one that cheeses me off is where they act like loans you will have to take out is "financial aid."


September 25, 2017

I don't think the "Am I impacted" button on Equifax's website will do anything. I don't trust them.

I think people should just assume that they HAVE been impacted. 

So, now what?

Now you have to hope you aren't one of the people who folks decide to attack. There's a very...

September 8, 2017

“If you have a credit report, chances are you may be in this breach. The chances are much better than 50 percent.” 

"...hackers had gained access to company data that potentially compromised sensitive information for 143 million American consumers, including Social Secu...

May 11, 2017

Is there anyone in the Bay Area who hasn't heard of soil liquefaction from seismic activity? That's when an area isn't on solid ground and the force of an earthquake makes it slosh around like ball bearings in a cat box. It happens especially in land fill areas.

Since t...

June 11, 2016

Nearly every portfolio's statements I've looked at shows fees my clients didn't know they were paying. 

Let's take a look at the fees that often show up and then how you can figure out what TOTAL fees that you've paid. 

"Assets under management" fees or "AUM."


November 23, 2015

"The disparity was not merely because black families earn less than white families. Our analysis of five years of court judgments from three metropolitan areas - St. Louis, Chicago and Newark - showed that even accounting for income, the rate of judgments was twice as...

October 9, 2015

This conversation happens too often:

          "Do you have any retirement accounts?"

          "Yes. I have an IRA."

          "Great! What investments do you have in it?"

          "Like I said, it's an IRA."...

July 30, 2015

When you first start an account you likely won't have very much money in it. If you leave it as cash or even in a money market it will just sit there, no matter what the stock market does. You could buy a stock in that account but then 100% of your investment is depend...

June 22, 2015

It may not be an accident. 

This article from Financial Advisor Magazine says "...lenders are creating potentially illegal difficulties in getting accurate records of their payoffs of the loans so they can apply for cheaper financing and making processing errors."

By the...

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How to start a retirement account: IRA accounts

October 9, 2015

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Albany, CA 94706