by Javier Olaya | Mar 1, 2021 | Uncategorized
My wife and I have thirteen savings accounts. Yes, thirteen. Given how we use them, we call them escrow accounts. I know what you’re thinking: “Why would you ever want to do that?” Though it sounds messy, for us, it just makes sense. We use those accounts to...
by Javier Olaya | Feb 22, 2021 | Uncategorized
You’ve found your dream home, and you’re feeling both excited and nervous to put in an offer. Then you find out you need a pre-approval letter. But what exactly is a pre-approval letter? A pre-approval letter comes from a bank or lending institution and states,...
by Javier Olaya | Feb 15, 2021 | Uncategorized
Years ago, when we were first married, Jackie and I sat down together to talk about whose bank we would merge our accounts under. Like any educated, responsible adults about to embark on their first serious decision together, we used a coin flip. I lost, and nearly a...
by Javier Olaya | Feb 8, 2021 | Uncategorized
Let’s talk about the digital envelope system. It’s 2020, so the old-school envelope-full-of-money system doesn’t really make sense anymore. That system can be put in place digitally though, as Jackie and I have done. We operate out of two checking accounts, one...
by Javier Olaya | Feb 1, 2021 | Uncategorized
I never thought we would see 30-year home loans touching interest rates in the high 2s, but 2020 was a weird year for all sorts of things. For many, this seems like a great time to refinance. Afterall, the lower the interest rate, the lower your monthly...
by Javier Olaya | Jan 25, 2021 | Uncategorized
Losing a loved one is an incredibly emotional time, and is often made more difficult by time-sensitive tasks like funeral arrangements or turning off streams of income like Social Security or pensions. Then you may learn you have inherited assets that come with...
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