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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Should you pay your mortgage off early?

Not many enjoy having a large mortgage looming over their heads and racking up interest for up to 30 years. As a result many with extra cash look to pay off their mortgage as soon as possible. However paying your mortgage off early may not always be the best decision. There are two types of debt,…

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Does America have a credit card problem? Recently after asking one client what his credit score was, he responded that he didn’t know and that it wasn’t important to him. After explaining how his score would determine what loans he would qualify for and the interest rates he would have to pay, his next question…

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Why you need a financial plan

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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In this series, we are covering the importance of a personal financial plan. You can read Part 1 here. Studies have shown it is the primary way for people to feel confident about their money and retirement, especially when it comes to Social Security. With advances in online technology, a good financial plan can help…

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Financial Plan for financial independence

Many people think that a financial plan is only for people with money. Studies show however that a comprehensive financial plan benefits everyone, regardless of income, age, and net worth. In fact having a financial plan is one of the sure ways to get into a higher income bracket!  Interested in getting one for free?…

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  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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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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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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