Purchase Planning

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The True Costs Of Home Ownership

For most people, buying a home is the largest purchase they will make in their lives. People used to believe that buying a home always was better than renting since people assumed home values always would go up. Unfortunately, during the recent financial crisis, many people found themselves underwater, owing more on their house than […]
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Why you need a financial plan

Why You Need a Financial Plan Part 3

In this series so far we covered how a financial plan can help you optimize your Social Security benefits. Click here to read part 1 and part 2. With advances in technology, you can easily analyze and compare different strategies and the results that follow. The purpose of a financial plan is to discover and establish […]
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Renting or Buying: What’s the best?

  Hawaii is one of the most expensive places to rent or buy real estate. In fact the cost of living in Hawaii is 30% higher than the national average! According to the Honolulu Board of Realtors, the median price of a single family home on Oahu is $640,000 and a condo is $346,700. A […]
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Going Solar? Read This – Part 2

Last week we covered the reasons for Hawaii’s high energy prices and the common methods for going solar. Please visit artof-thinkingsmart.com for more information. With more than 250 solar companies to choose from, finding the right one for you can be quite daunting. If you are interested in installing solar, here are some key things […]
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Thinking Of Going Solar? Read This

Everywhere you go these days, you hear an advertisement about solar. By some estimates, there are more than 250 solar companies in Hawaii, with dozens more opening up per year! The average energy price on Oahu is about 35 cents per kilowatt/hour, and it’s much higher on the Neighbor Islands, with Kauai at almost 42 […]
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Tips For Refinancing Your Home

Mortgage rates today are at a 60-year low, giving many Americans the ability to refinance their mortgage. Home mortgage or home loan refinancing is basically taking out a new mortgage to pay off the existing one. Refinancing can be a good idea if you can get a lower mortgage rate to save on costs, lower […]
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