Top of Mind (Q2 2019)

Each quarter, we will share three things that we are keeping Top of Mind

Here's our latest list:

1.) Reading List

I was recently asked about my “must read” news sources and daily email lists.  Seems like there is an endless supply of news to pick from but here are a few of my daily reads and favorites:


Newspapers of choice : Wall Street Journal and New York Times.  I receive the print edition of the WSJ (call me old fashioned!) but I read the Times online.  Both sites have excellent menu options that allow you to set preferences for your news feed as well as email alerts

Other business sites : I also review headllines from Bloomberg, CNBC, Dealbook, and Financial Times

Daily Emails :

  • The Skimm – part fun, part news.  This daily email curates the day’s top news and includes a lot of information and a bit of humor

  • Capitol Insights – written by Greg Valliere, a top Washington strategist, this daily email is an invaluable look inside Washington DC, with a focus on the markets

  • The Hustle – self described as “all the tech and business you need each morning, bite sized”

  • Seth Godin’s Blog - think this is only a blog related to marketing? Think again. These daily messages always leave me thinking and looking at my days in a whole new light

Podcasts – Prefer to listen on the go? Three news/business podcasts I enjoy include The Daily, Up First, and Recode/Decode

2. Check your Mortgage Rates


In 2018, it was widely believed that interest rates were headed in one direction – up.  Fast forward to today and interest rates (namely those at longer maturities) have actually trended lower. The reasons for these moves are many (we’re happy to explain further). But if you are a homeowner with a mortgage (especially one from late 2018) , it may be worth evaluating a refinance. Can’t hurt to look into it!


3.) Social Security – whether you are decades away from claiming benefits or are currently doing so, it is always a good idea to annually verify your earnings history with the Social Security Administration (“SSA”) . SSA receives your earnings from the IRS (via your tax returns) but as with most things in life, mistakes can happen.  Take the time to visit, retrieve your statement, and verify the wages listed. 

Top of Mind (Q2 2016)

Each quarter, we will share three things that we are keeping Top of Mind

Here's our latest list:

1.) Listen Up

I have been doing a lot of walking in my local park during these summer months and in order to make even better use of that time, I have become a huge fan of podcasts.  There are countless to choose from but a few of my current must-plays: include: TED Radio Hour, Tim Ferriss show, Freakanomics Radio, This American Life, and Serial.  Do you listen to podcasts, and if so, which ones?

2.) Mortgage Refi Boom

Interest rates around the world continue their downward movement, with rates in several foreign countries reaching negative territory.  With recent events in Europe and Britain, the safety trade has continued and rates in the US are approaching record lows. As rates fall, the demand for mortgage refinancings skyrocket. With rates likely to rebound at some point, it is a good idea to evaluate your current mortgage and assess whether refinancing makes sense.  Proceed with caution and carefully evaluate refi costs, rate differentials, how long you plan to be in your home, changes in appraised value, and other factors - but bottom line, the work could be worth significant savings.  Unsure of how to proceed?  Contact us, we'll help

           3.) Presidential Election

After witnessing the historic political events in Britan, it's easy for attention to turn back home and our upcoming election.  As we enter convention season, things are bound to get increasingly contentious and interesting.   There are many implications for the country and each of us depending upon who ultimately takes office.  One area of particular interest to many is income taxes.  This publication from Reinhart Boerner Van Deuren sc outlines the vast differences between the candidates' tax plans.  Time will tell which candidate (and which tax plan) will prevail

Check back next quarter to find out what we're keeping Top of Mind