Yearly Archives: 2014

A client shared this interesting article & video recently.  It is the story of a man whose mother passed away.  Subsequently, he spent 20 hours trying to locate her various online accounts to appropriately shut them down or to gain access to her online assets, such as airline miles. Many of us have a plan for our traditional assets in the event of our passing.  What about digital assets? We tend to disregard or forget about these.  Examples of digital assets include emails, texts,Read More

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Some of my clients don’t know how long they will be living in San Diego.  They are members of military families, students, medical professionals or they may just be looking for a change in a few years.  Here are a few of the many factors to consider when deciding whether to rent versus buy. (1)  Time horizon – No one can consistently predict what real estate prices are going to do in the short-term, just like the stock market.  ForRead More

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The first earthquake I felt in San Diego was on Easter Sunday 2010.  While it lasted for just over a minute and didn’t cause any major damage in our immediate area, it certainly made me uneasy.  It made me aware of how vulnerable we are to the forces of mother nature in our new home. Four years, 2 kids and a dog later, I am reviewing my insurance policies to make sure they are up to date, as I do everRead More

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When it is relevant for a client, PWR financial plans include a section on personal finance for children.  We compile information from a few sources including Money as You Grow. Here are some age appropriate activities I started doing with my 3 1/2 year old. 1)  Identify what costs money versus what is free.  For example, we pay money when we go to the local pool.  We don’t pay money when we go to the library, park or the beach.  Those are free activities. 2)  Explain thatRead More

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  Purchasing raw land is different than purchasing a property with a house already on it. While it can be appealing to start with a blank slate, it can also come with a lot of frustrations if you are not prepared. Here are some tips: 1)   Learn as much about the property as possible. Look at SunCalc.net to get an idea of the property’s sun exposure throughout different times of the year. Review the USDA soil maps here to understand theRead More

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