The implementation of the new TRID-RESPA rule began October 3, 2015 and was intended to simplify the disclosure and loan-closing process. However, with all the new rules and required forms, everyone is struggling to understand how this new system will make it easier for consumers as they move through an already stressful process of refinancing or purchasing a…
Roger Khoury, a Managing Partner of RBJ Financial Group says, “The number one concern, when investing in the market, would be in keeping more of the gains that you’ve made.” Anyone that has any investments in the market should be concerned about the exposure to the risk in the market, whether the investments are managed for…
San Diego Civil Attorney Tara Burd says, “Wills do not protect homes from probate. Joint tenancies only protect homes temporarily. Trusts protect homes always.” Probate is the court process by which a will is proved valid or invalid. Properties that are not in a trust must pass through probate with or without a will. During…
Brian Livesay, The San Diego Retirement Guardian says, “Individual Retirement Accounts are an excellent way to grow your investments tax free but there are two types of IRAs and it is important you understand the differences between them.” Traditional IRAs and Roth IRAs both allow investments to grow tax free. Contributions to a Roth IRA…
“The right kind of life insurance is going to be best determined by the individual,” said Connie Croom in a recent interview. Over his years of experience with the insurance industry, Croom has consistently learned—and taught—that no one insurance scenario is the same as another. Croom, who is the Principal of ELDERS Insurance Services, is…
In school we are educated about math, science, history, and other things. How much of this is actually used in the real world these days? It isn’t until we’ve become adults and start seeing the real world issues that we realize how much there is we don’t know. The hard truth is most don’t seek help until it…
Eric LaGuardia, San Diego Consumer Rights Attorney says, “Consumer rights laws require that debt collectors, and more broadly, businesses of all sizes for that matter, treat consumers fairly.” Debt collectors and businesses are required to be honest with consumers, accurate in their representations with them, and treat them fairly. Consumer rights are often infringed upon…
Linda Allen, a San Diego Business Law Attorney describes transactional law, “Transactional business law involves a wide range of business matters. It encompasses every phase of a business from its inception all the way through its entire life cycle, ending with either winding down or selling the business.” Stated another way, it’s all types of entity…
The business of HOA condo management in Miami can be viewed, not only as highly competitive, but also bears the task of overcoming bad press that many unethical property management companies can bring to the industry as a whole. CADISA Inc., of Miami is diligently working to change the way condo HOA management companies are…
Brian Ray Livesay, a San Diego Financial Advisor says, “Unfortunately, many business owners never plan for the day the business will transfer ownership.” Business involves continuous planning and revaluating. Decisions are made daily on how to best grow the business and generate more revenue. Having a succession plan in place will prevent selling a business at…