Juggling Families and Finance

Juggling Families and Finance

“Juggling is sometimes called the art of controlling patterns, controlling patterns in time and space” – Ronald Graham (not a juggler, actually a famous Mathematician). Once you begin a family things become a bit more complicated to say the least.  Your brain starts moving at lightning speed trying to accommodate someone else’s wants and needs. What seemed like a wonderful family income is now reduced to “how do we make our payments” then to leaving balances on your credit lines monthly. Stress starts building and you are hoping to have another child in the next 10 years. Even thinking about taking another costly parental leave gives you the jitters. Then, you add up the cost of the...

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The Shell Game

The Shell Game

In the past 15 years, we have been watching big banks and credit unions encourage people to take on Home Equity Lines of Credit (HELOCs) along with their standard first mortgages. To make it easier for the layman to understand, we can call this type of mortgage a...
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