You and your friends may have shared a similar economic situation when you were kids or while you were in college, but now that you are adults, your incomes might diverge widely. Differences in spending habits can destroy a friendship when they result in wildly different lifestyles or feelings of resentment, but if you approach […]
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St. Louis Transplants: Anthony Bartlett
St. Louis Transplants For outsiders, St. Louis is often referred to as the friendliest city where they have no friends. St. Louis is a tight-knit community that can be difficult for newcomers to break into. That’s why Anthony Bartlett founded St. Louis Transplants in 2010. The business is […]
Cashing Your 401k Early: What You Need to Know
Cashing Out Your 401k If you’ve ever thought about cashing out your 401k, whether it is for down payment on a house or some other expense, there are a few things to consider. When it comes to your 401(k), different rules apply at different ages. Here’s an overview of what you can do at 55, […]
Make Your Kid A Money Genius
How to Make Your Kid a Money Genius Did you know that parents are the number-one influencer on their kids’ financial behavior? If you’re reading this and are a bit worried because you’re not the greatest with your money—or you’re not exactly sure how to approach the subject of teaching kids about money—don’t panic! […]
Morgan Clark: STL Sitter
STL Sitter Morgan Clark founded STL Sitter in 2014 not long after graduating from Ohio State University. During her time in college, Morgan had worked as a babysitter for a company called Sitting Made Simple to help offset some of the cost of tuition. Morgan is native to […]
Big News From Fannie Mae: Common Sense Guidelines
Fannie Mae Guidelines Being in the mortgage industry, there are many guidelines I have to follow. These guidelines are always changing, sometimes for the worse and sometimes for the better. Fannie Mae recently made some big changes to their guidelines, which will have a big impact on many people looking to get a home loan. […]
Escalation Clause: How to Snag Your New Home
How to Snag Your New Home with an Escalation Clause As I’m sure you’ve heard we are in a really hot real estate market. Potential home buyers are finding themselves in highly competitive situations, and the majority of new listings are receiving multiple offers. The inventory of homes on the market continues to be low […]
What is Private Mortgage Insurance and Why Do I Pay It?
Marc Breckenridge with MGIC Marc Breckenridge with MGIC is here to discuss the ins and outs of Private Mortgage Insurance (PMI). What exactly is PMI and why may you have to pay it? For people with less than a 20% down payment, PMI is a tool allowing them to buy a home sooner. We wanted Marc to […]
The Cost of Waiting & Taking Advantage of a Dual Market
The Cost of Waiting If you are thinking about buying a home, is there a cost of waiting? What about renting versus owning? Finally, have you heard we are in a dual market? Well, we decided to run the numbers and the answers may surprise you. Interest rates are at historic lows, but trending upwards […]
“The Medicare Man” Ryan Raphael: Supplements & Enrollment Periods
“The Medicare Man” Ryan Raphael: Supplements & Enrollment Periods Ryan Raphael a.k.a. “The Medicare Man”, is our Medicare insurance expert and trusted adviser on all things Medicare. We have him on to explain what Medicare supplemental insurance is and to also clear up some confusion we had on the enrollment periods.
