Edmund “Chip” Poli III

  • President, CEO & Founder
  • Poli Mortgage Group, Inc.
  • Norwood, MA   
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Contact me for: Poli Mortgage Group, Inc. mortgage loan products including • FNMA - Fannie Mae • FHLMC - Freddie Mac • HARP Programs - Refinance even if your home is "underwater" • FHA - Direct Endorsed Government Lending Programs • VA - 100% Financing for Service Members • USDA - 100% Financing for First Time Home Buyers • Niche Products • Jumbo Lending Programs • Jumbo Portfolio Programs • Fixed Rate Mortgages of 10yr, 15yr, 20yr, 25yr, and 30yr terms • Adjustable Rate Mortgages - Fixed periods from 6 months to 10 years • Commercial Lending Programs • Interest Only Mortgages • Debt Consolidation Loans via Cash Out Refinance • Home Improvement Loans • Construction Loans - Ground up or lot release • Refinancing and Consolidation of 1st or 2nd Mortgages • Expedited pre-approval process • In-house processing, underwriting, closing, and post-closing departments.

Chip has 20 years of experience in the real estate industry and has been consistently ranked in the top 1% of mortgage originators in the country. His expertise is broad-based, with a strong foundation in real estate sales, extensive experience in recruitment and management of highly successful brokers and sales teams, and exemplary leadership abilities which have enabled him to quickly achieve phenomenal success at Poli Mortgage Group, Inc.
Committed to providing financial services that were second to none in the mortgage industry, Chip and his brother, Chris, founded Poli Mortgage Group, Inc. in 2001.From the beginning, Chip’s vision of success for the company hinged on his ability to put together a team of adept and knowledgeable professionals, who would work cohesively, take great pride in their efforts, exemplify honesty and trustworthiness, and go the extra mile for their clients. In a few short years, the company has grown to encompass a dedicated staff of over 60 people, with more than $1 billion in loans written annually.

Expert Articles by Edmund “Chip” Poli III

Home Mortgages

A reverse mortgage is a great way for homeowners to convert equity
A reverse mortgage is a great resource to help some that need that additional source of income. Reviewing all of your options and understanding what this type of loan means for you, will help you make...

Expert Articles Sponsored by Edmund “Chip” Poli III

Home Mortgages

Guide for first time homebuyers on securing a mortgage
There has never been a better time to become a first time homebuyer. Housing prices have bottomed out and appear to be stabilizing. Most experts are predicting that we will see home prices begin to in...
How to get a mortgage to buy or refinance your home
Financial institutions have become more rigorous in their mortgage application process. The mortgage application and approval process can seem demanding an onerous. Reduce your stress by having patien...
Guide to obtaining a mortgage in the new lending world
Getting a mortgage is not the same as it was just a few years ago. The process is harder, more thorough and often longer. However, you are trying to obtain the American dream of owning a piece of eart...
Secure a mortgage and proper financing for your vacation property
Enjoying your new vacation home is a lot more fun than getting the financing. Make sure you are prepared to run the gauntlet: clean-up any inaccurate credit, put down as much down payment as possible,...
Successfully secure a loan for your home renovation project
A newly renovated home can be beautiful thing. Good planning on how you are going to finance the costs of these improvements and who will help you do this will make this journey much more pleasant. A ...
A reverse mortgage is a great way for homeowners to convert equity
A reverse mortgage is a great resource to help some that need that additional source of income. Reviewing all of your options and understanding what this type of loan means for you, will help you make...
Choose between a 5/1 ARM or 30 year fixed rate mortgage
A fixed-rate mortgage generally costs a bit more per month during the first few years of your mortgage, but you know what your payment will be for the term of your loan – for instance, if you are lo...
Which loan is best for you? A jumbo or conventional mortgage
Securing a loan when purchasing a home is just part of the process, and you need to know what options you have so that you can have the best interest rate and the lowest monthly mortgage payment possi...
Expert advice on buying or not buying points for a home mortgage
Just like most things in life, the answer to this question is nuanced and it starts with “it depends.” It depends on how long you’ll keep the loan, how much the point will cost you, and how long...
Expert advice on securing the best rate for your home mortgage
Shopping for a mortgage and mortgage rate can be a daunting process. Remember that buying a home and getting a mortgage is the biggest financial decision and investment that most of us will make in ou...
Rebuild your credit and secure a mortgage after a short sale
Selling your house as a short sale can be a very overwhelming task even 3 years after. But in order to make it less stressful, and not ruin your credit for a long period of time, there are definitely ...
Veterans should use the VA Loan Program when buying a house
If you’ve served in the military, the VA home loan guarantee program can provide great benefits that are unavailable to civilians and those using a conventional mortgage product. Get in touch with a...
Determine how much you can afford to borrow for a home mortgage
Determining how much you can afford to borrow combines the efforts of both the buyer and the lender. Borrowers must do their part to provide accurate and current information to their lender, but they ...
Advice for successfully securing a home mortgage when self employed
America’s economic vitality relies on the small business owner and the self-employed workforce. It’s unfortunate that these same individuals often face higher hurdles when obtaining mortgages for ...
How to successfully get a mortgage for your investment property
We have all seen or known individuals who have built their own rental real estate portfolios and complemented their other investment strategies nicely through ownership and management of real estate. ...
Learn when to lock your fixed rate loan to get the best rate
More than anything ask your friends, family, and coworkers who they recommend to help with mortgage financing. Interview several of them and listen to your gut instincts. Ask yourself, is this a solid...
How to get a mortgage for a home with less than 20% down payment
Choosing the mortgage structure that is best for you in the very common situation where less than a 20 percent down payment is requires an understanding of both your needs and the lender’s requireme...

Buying Real Estate

Buying homes as short sales and foreclosures can be very rewarding
Buying a distressed property that is a short sale, foreclosure, or bank owned can be a good investment and an affordable way to own your own home, but it is “buyer beware”. You should protect you...
Guide to buying a co-op in NYC
There are many ins and outs to purchasing a co-op in New York City. While the process may seem a bit daunting at first, do not fear. Remember that the cooperative purchase is the norm in NYC, not the ...
How to find and buy a house on a river
Your river property will bring much excitement, inspiration and fun to your life. Relying on the expertise of a professional who specializes in waterfront property will make the process effortless and...
How to find and buy a lake house
Your lake house will be a source of relaxation, inspiration and fun. Relying on the expertise of a professional who specializes in lake property will make the process effortless and satisfying. This i...
How to find and buy a mini or hobby farm
Whether for a better way of life or out of necessity, your farm will become a significant part of your life. Relying on the expertise of a real estate professional specializing in farm property will m...
How to successfully buy multi-residential investment properties
In order to mitigate threats and capitalize on opportunities it is essential to have a well-grounded investment strategy. This includes the collaboration of complimentary disciplines and fastidious at...
Smart steps to successfully buy real estate in Baltimore, MD
Buying a home is an exciting endeavor, but the process can be tedious, time-consuming, exhausting, and an emotional rollercoaster for some. Working with a trusted professional can help ensure you have...
The right way to buy a home
Buying a home is a complex process requiring expertise from a number of professionals. By focusing on what you want in your home and allowing these professionals to do their jobs, you can achieve the ...
How to make the right offer on your dream home
There’s no need to get stressed out when you’re trying to figure out how much to offer on your dream house. Take the emotions out of the equation and instead focus on the data and the math. Workin...
Advice on buying land for investment, development or build a home
Whether your land will be used for recreation, development, investment or just a home, you’ll find many diverse parcels to choose from. Remember you can always change the way a house looks but you c...
Advice on buying a fly-fishing ranch in the Rockies
While there are many rivers and streams throughout the Rocky Mountain West, the supply of available fishing properties in any given price range is very limited. Obviously private water is the preferre...
Choose and buy a vacation home with confidence using a realtor
The key thing to remember is to seek out professional advice when considering purchasing a vacation home in another part of the country. Don’t underestimate the value and resource of a professional ...
Expert advice for the first time homebuyer on buying the dream house
When purchasing your first home together it is in your best interest to have a licensed real estate agent to help you. Their job is to give you advice, recommendations for the services of other profes...
Hire a qualified home inspector to help reduce risk when buying a home
Home inspections are a valuable tool for the homebuyer and should be a routine part of the homebuying process. However, don’t overstate what they are able to do.There is risk in buying something bui...
Buying a foreclosure can be a great investment if your informed
Purchasing a foreclosure can be a great investment whether you are purchasing one for your personal residence or as an income property, but a word to the wise, be patient with the process. New guideli...
Expert advice on buying a condo as a good investment
Owning a condominium is not for everyone, but it does fit the lifestyle of many people today. Whether you’re considering a condo or a home, you need to be sure that you know what it is that you are ...
Get the best deal by knowing what to offer when buying a home
Be smart, but not overly smart. You do not want to think yourself out of a great home while at the same time you want to understand your market and the data within it. In the end, you have one simple ...
Buying a home in a hot market and how to win a bidding war
Owning and living in your own home is the American Dream. But increasing mortgage rates along bidding wars on the purchase of a home is creating emotional and financial stress not seen since the real ...
How to build your dream home from the ground up
When building your dream home, the best advice is to be prepared for anything. There will be bumps along the way but as long as you address them in a timely and effective manner, the process should be...
How to win over the co-op board when buying a home in NYC
Just remember that accepting the co-op for what it is is vital to being accepted yourself. Being honest, patient, informed, and respectful demonstrates that you are the kind of neighbor and shareholde...
Advice on buying a townhouse and real estate in NYC
Buying a townhouse in New York City can be a rewarding experience, both emotionally and financially. Given today’s price points this opportunity is available to a select few. If you happen to be one...
Advice for first time home buyers on buying a co-op in NYC
Co-op ownership comes with its benefits and also with possible limitations. If you like a particular co-op and can handle the work it will take to get in, you have a great experience in store for you....
What to consider when buying a home as a fixer-upper
Buying a fixer-upper is not without its challenges. The most important tool for the job is preparation. With good planning, clear vision, and a reliable team to help guide you, your fixer-upper can be...
What price you can expect to pay for a single family home in NYC
There is a lot to consider when buying a single family home in New York City. Costs vary greatly and this market segment continues to become more valuable. So if you have the desire and the budget jum...
Advice for buying a home in NYC when you have a young family
When starting out as a family, your first home and the community you reside is where many family firsts will occur - your child’s first words, first steps, first day at school. So many memories and ...
Buy a home in downtown Manhattan to get access to the best views
If you want to be in the middle of it all, have access to some of the best views, best moderns homes, and best transportation, Downtown is where it’s at. Like with any other investment. however, be ...
You can buy a home in New York City with a $1 million budget
There is a reason why the real estate market in NYC is so competitive for the buyer. Historically, NYC has held it’s value and has weathered many a financial crisis to come back even stronger. $1 mi...
Investing in commercial real estate is a great opportunity for anyone
Whether you are buying one building to rent out or a whole plaza, commercial real estate can be a rewarding investment. Following the advice above can put you in the right place to make money on your ...
Use the internet and social media to help you find the perfect house
For the majority of buyers, a home represents their biggest lifetime purchase, so they should use every tool at their disposal to ensure they are getting the very best home at the optimal price. Consu...
Buying a home in an HOA neighborhood can be a great move
Living in an HOA neighborhood comes with certain rules and restrictions, but if you understand them, life will be better and easier for you and your neighbors. Do find ways to work with and improve yo...

Home Improvement

How to choose a contractor for your home
Hiring a contractor who is someone you don’t know can be a very stressful situation. You can minimize this stress by having a definitive plan for your project and having a clear process on how you a...
Expert advice on painting the exterior of your home
Painting the exterior of your home can save you money and be a very rewarding experience, especially if it is done the right way. There is an overabundance of things to think about when doing a projec...
Save money, live green with these eco-friendly bathroom upgrades
Water conservation is an important green issue and eco-friendly plumbing solutions are generally a convenient, non-intrusive way to upgrade your home. After installation, the money that can be saved i...
Build a low maintenance and durable composite deck for your home
Low maintenance composite decking is a wonderful thing as it saves you time, money and backbreaking labor. Carefully assess how you will use your deck and thoroughly research your options and installa...
Regular maintenance of plumbing can save on costly repairs later
It might seem like a lot of work, but regular maintenance will always be better than a larger issue later. While it is impossible to avoid all plumbing issues, many are preventable with a little extra...
Expert advice on protecting your home from rats and rodents
If you make sure your home isn’t as welcoming to rats and mice as it is to you, they’ll be turning tail in no time....
Expert advice on preparing for a stress-free home renovation
By properly preparing for your home renovation, you can avoid stress, work with individuals with whom you are comfortable, and stick close to your budget. This will not only result in an enjoyable exp...
Advice on hiring an interior designer that reflects your lifestyle
There are many factors to consider when hiring an interior designer, from referrals to budget, from letter of agreement to in-home meetings/presentations. By using these important tips, you’ll be on...
Reduce weeds on your property to help create a healthy lawn
There are a lot of steps you can take, as well as some you should avoid, in order to properly control weeds and keep your property healthy and attractive. Know your enemy and contact a lawn care profe...
Prepare your lawn for winter and prevent snow mold
The most important thing to consider when preparing lawns for fall and winter is the element of time. As long as each task is completed at the proper time of year and as instructed, avoiding snow mold...
Advice on budget friendly renovations to create a beautiful home
With these tips, you can make smart, budget-friendly enhancements to your home without spending a fortune....
Eliminate the chance of mice and rodents entering your home
Rodents can transmit diseases such as food poisoning-pathogens when food or food surfaces are contaminated with infected rodent droppings or urine. Rodents can also cause significant amounts of damage...
How to prevent and remove an ant infestation in your home
Ants are the number one nuisance pest in America. They can be very effective at infesting homes, contaminating food and damaging structures if left untreated. Eliminating ways for ants to enter the ho...
Prevent cockroach infestation and protect your family's health
Follow these tips to prevent roaches from endangering your family’s health and home. Stay on the lookout for any signs of a cockroach infestation or any factors in your home that could draw them in....
Advice for growing and maintaining the perfect lawn
Keep your mower blades sharp and don’t mow too short. Also, remember to fertilize and properly water your lawn. By implementing the above steps, you can enjoy a healthy lawn all year round....
Improve your home's energy efficiency and save money
Making your home energy efficient can keep money in your pocket. It may also make you eligible for tax breaks. And because of this, energy efficient improvements are a highly sought after measure for ...
Advice for organizing your home, belongings and important documents
Organizing your home can seem like a vast undertaking but when you tackle the project a little at a time, it won’t seem as stressful. Make sure you put important documents in a safe place and all yo...
Advice on choosing the paint colors for the rooms in your home
Since room color makes a strong impact on its occupants, it’s important to do some research about appropriate color choices before choosing to paint. Consider your location when establishing an over...
Prevent and control ant infestations in and around your home
Ant infestations can be controlled with different strategies, including ant baits and contact killers. Strategies to prevent further infestations include sanitation and exclusion efforts. It is import...
Warm weather brings termites - How to prevent and stop an infestation
Termites can cause significant damage to your property. It is vital to proof your home against termite infestations and detect termites early. A pest professional can help homeowner’s offer treatmen...
How to detect and remove asbestos in your home or business
Asbestos is a carcinogen that can cause lung cancer, mesothelioma, asbestosis and other serious respiratory ailments. The most dangerous asbestos fibers are too small to be visible. Once inhaled, they...
Spring cleaning reduces dust and allergens and improves your health
Spring cleaning should not just be seen as a silly tradition. It should be something that everyone takes part in. Not only will living in a clean and organized environment make you more productive, th...
Growing a successful fruit garden requires planning and preparation
A well-planned fruit garden will enhance your home landscape and life. It will provide a beautiful, dual-purpose landscape for you to be proud of for years to come. Dig in and savor the “fruits of y...
How to start your first vegetable garden and grow your own vegetables
Growing your own vegetables can be a very satisfying and rewarding hobby. Building a garden requires some basic knowledge, none of which take a lot of time to master, and the rewards are many. Vegetab...
DIY advice for decluttering and spring cleaning your home
Through decluttering and a few easy updates, your home will be a delight to come home to and welcome in the new season. Put a little spring in your step and plan your vision today!...
Finishing a basement starts with preparation and careful planning
Taking these steps can transform your unused space into one of your favorite places in the house! The days of the cold, dark basement are over. Bring on the man caves, home gyms, kids’ playrooms, ho...
Choose the right location for a garden and plant seeds correctly
Planning a garden can be a daunting task. Start by using these quick and easy tips to get started....
Creating your first garden will take work and constant attention
Any garden or landscape is a living and constantly changing thing. It takes work and attention, but this is the challenge and excitement of the pursuit. It also creates opportunities for new ideas and...
What you should check before hiring a painter for your home
Hiring a painter to give your home the pick-me-up it needs doesn’t have to be another chore for your list. Asking good questions, doing thorough background research, offering detailed expectations o...
Remodel your kitchen to be functional, efficient, and stylish
The kitchen is the heart and soul of the home. Be sure to keep these tips in mind to affordably transform your kitchen into a multi-functional space for your whole family....
How to check references when hiring a contractor for your home
The best way to find the right painting contractor for your home projects is to check their references. Get a home address, phone number and email address, if possible. References that were satisfied ...
How to avoid home improvement and renovation scams
Warm days are ideal for tackling home update projects. Hiring outside help can be daunting, particularly when scammers are looking for easy marks. Knowing what to expect from workers coming and going ...

Caring for Aging Parents

Advice for elderly families in transition
Having parents or elders age forces conversations between parents and children around elder’s wishes on housing, care and end of life directives. These can be uncomfortable conversations but are nec...
Help your elderly parent maintain independence with good communication
Many of these suggestions are common themes in successful communication between adults. Mutual respect and courtesy is a must, and developing new skills, along with practice, is a constant. The reward...
Get help caring for an elderly parent with this expert advice
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Get long-term care that is the right fit for your elderly parent
Finding long term care for your loved ones is not something to be taken lightly. There are many options and it’s important to know the wishes of your loved ones and to be informed about the differen...
Discussing difficult life issues with aging family members
Talking with aging family members about difficult life issues is not easy. But mapping out the conversation ahead of time and avoiding major pitfalls can make important family discussions more positiv...
Managing the stress often associated with family caregiving
Reaching out for love and support can be a sure-fire way of sustaining yourself as a caregiver and the well-being of your loved one. When done mindfully, respecting your own needs and preferences, as ...
Minimize the holiday blues for seniors suffering from depression
As a caregiver or family member of a depressed older person, make it your responsibility to get involved. You can make a significant difference and remove or lessen the holiday blues for seniors suffe...
Talk openly by starting a care conversation with aging parents
After conversing with a loved one’s doctor or care provider and determining what type of care center is most appropriate, a family can explore options within their community that fits their budget a...
Preserve the dignity of your elderly parents by caring for their needs
Together we can work toward making a difference in the overall well-being and preservation of dignity of the elders in our communities, who, indeed, are deserving of our care and respect. Help your el...
Navigating the challenges of becoming a caregiver to aging parents
Caring for aging or sick parents can bring rewards, but it also comes with challenges. Take the steps to assist your parents in getting their legal documents in order before caregiving becomes require...
Advice for seniors moving to a smaller home or retirement community
Move while you are the one in charge. If you put in the work up front, during the planning and sorting phase, your move will be much smoother. Let experienced movers, such as Senior Move Managers, ass...
Advice for managing the depression of your aging loved ones
Depression is the most common mental illness affecting seniors, and the signs should not be ignored. In fact, the elderly have the highest rate of suicide out of all age groups. While today’s treatm...
How to best approach your parent on moving into a nursing home
Responding to the needs of aging parents is a difficult and emotional process for everyone. Adult children need to communicate clearly and directly with the parent while being respectful and caring. A...
How to find a good home care agency and stay in your home
Mom and dad have made the decision to stay at home instead of moving to a assisted living facility. You know that in order for them to be safe and comfortable they are going to need assistance. Home C...
Loved ones can help seniors though the progression of Alzheimer's
Alzheimer’s affects more than 5 million Americans, and the disease has an impact on the entire family. While adult children become caregivers for aging parents, young children and teens need support...
How to ensure the safety of your aging parents behind the wheel
Aging does not necessarily mean a person's driving days are over. However, it is vital to ensure the safety of your loved ones on the road. This begins with learning more about how to detect problems,...
Maximize rewards and minimize stress when caring for aging parents
Having parents age and fail is unsettling emotionally and disruptive in many other ways. Caregiving can be extremely taxing and very tricky to navigate, but it can be deeply rewarding. A major key to ...
How to help and support your aging parents as they grow older
Keeping these simple guidelines in mind will not only help improve the relationship you have with your parents, but it will also ease the stress that invariably accompanies changing roles. We all want...

Divorce and Separation Law

The right way to separate
Again, separation is more than taking a break from your marriage and living apart from your spouse.  It is an important time to plan and reflect on you and your family’s legal, financial, and emoti...
What to do when "I do" turns into “I don’t”- A Divorce Guide
A divorce involves one of the most emotionally trying times in your life. You should be as prepared as possible to act in your own best interests....
Legal guidance for co-parenting a pet with your ex
 Life has a way of throwing us curve balls and how we adjust to them can be the difference between a happy and not so happy life. No one heads into a marriage expecting to get divorced, but when it h...
How to choose the right divorce attorney for your divorce
When it comes to finding a divorce attorney, be thorough in your research. Take into account credentials as well as personal chemistry. Be clear on all the fees upfront. Make sure you are in agreement...
Negotiating alimony during a divorce
A woman in the midst of a divorce proceeding once said “Marriage is about love. Divorce is about money.” This is so true. Alimony is one of the key money matters that must be negotiated and settle...
A parenting plan means more than trading weekends with your ex
Co-parenting is more than simply co-scheduling. Children of divorced parents can and do thrive on the same consistent rules and constructive communication as children of married couples. Taking the ti...
Divorcing and divorced dads succeed when they put the interests of the children first
Most men and women do not realize that they put their children in the middle of their disputes. It’s not something done intentionally, but you need to remember that your anger is not your child’s ...
Fathers will win child custody battles if the children are the priority in everyday life
Being a good dad means both talking the talk and walking the walk. Everyone from the ex to the kids to the guardian to teachers, coaches, neighbors, doctors and shrinks is watching. Show them all what...
Take precautions to ensure a quick and fair high net-worth divorce
The issues facing high net worth divorcing families are often different from the issues faced by lower/middle income divorcing families. As such, they must be planned for and approached in a manner be...
These child support basics will benefit you and your children
The most important thing to remember is that child support is about the needs of the children. They need support in a number of ways, financially for sure, but also emotionally by not being made a lig...
Men will prosper in a divorce by focusing on these practical solutions
As in all things, if you get educated about what’s before you and go into it expecting the worst, the chances of it being worse than you expected are about even. Get a lawyer you can get along with,...
Be realistic, reasonable and communicate for a successful divorce
It is understandable that through divorce and separation many emotions will arise between both parties. However remember that the legal system is not a tool that you can use to gain revenge against th...
Find hidden assets that your spouse has not declared during divorce
Divorcing couples must know where all the assets are. Neither side has the right to hide money and every right to use all the means necessary to discover where the assets are and what their value is. ...
Divorce mediators help you settle differences and save money
Divorce mediation is one way to settle issues relating to your divorce. Before selecting this process, it is important that you fully understand what a mediator can and cannot do, that you obtain lega...
Mediation can help you get what you want in divorce and save money
Mediation is an effective, relatively inexpensive way to settle divorces. However, you have to be prepared, be in control of your emotions, and be realistic about the results. Good legal and financial...
Know the difference between custody and shared parenting in divorce
Shared parenting and custody are often confused terms. As you can see, they are separate concepts. Shared parenting is a likely outcome for a situation where you and your ex are no longer together. An...
Parents considering divorce must protect themselves and kids
Making the decision to hire an attorney to represent you, as opposed to choosing to represent yourself, may be one of the most important decisions you will ever make. This decision can have an impact ...
A collaborative divorce avoids a court battle and reduces costs
Collaborative divorce is an alternative to a drawn out court battle. The process might result in an easier transition for the parties and their children. But collaborative divorce is not for everyone....
Choose the right divorce attorney to protect you and your family
Divorce can be devastating, especially when children are involved. Picking an attorney you like and trust and who has experience and knowledge will make a difficult time of life better for all parties...
How to get an annulment when there is misrepresentation or fraud
Annulment is different from divorce, but still requires legal representation and a court case. Be sure your circumstances meet the requirements for an annulment, and not a divorce, before you proceed ...
How to ensure your ex-spouse complies with the court's orders
Judges generally do not take kindly to those who consistently flout their orders. However, because the possible penalties for violating a court order include incarceration, it is important that your e...

Home Emergency, Preparedness, and Recovery

Protect your home from mold and prepare for flooding during a storm
Being prepared for a hurricane can make the storm much easier to handle. Following these simple tips can help prevent damage to your home....
Prevent and remove mold in your home with certified mold inspectors
Mold is a common problem in many homes, and can cause serious health problems. These expert tips can help you to prevent mold before it happens, and guide you through what you should do if your home h...
Secure and protect your home and family from a home invasion
Home invasions happen to people who are caught off guard or to those who aren't prepared. Put these systems in place to reduce your risk....
Expert advice on preparing your family for a natural disaster
Work with your whole family to devise a disaster plan that covers several likely scenarios for your location. Review and practice this plan twice a year. Prepare go-bags with food, water, clothing and...
Protect and seal your home from insects and pests for the winter
Overwintering pest species may vary from state to state and region to region, but they have one behavior in common: they are seeking shelter from the winter when they invade your home. Prepare your ho...
Protect and prevent your family and home from a fire
There are over a million fires in the US every year and most home fire deaths occur in homes without working smoke alarms and among families who are unclear on how to escape. The leading killer in hom...
Protect your home and family from your Christmas tree catching fire
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Avoid a house fire when cooking with a turkey fryer this Thanksgiving
If it’s your turn to host for Thanksgiving dinner, you probably feel at least a little bit of pressure to make sure everybody is well-fed. A little planning and preparation can help make sure that n...
Protect your home against bed bugs and what to do if you have them
Bed bugs do not carry disease, but they will leave little bite marks that are itchy and unpleasant. Their small size and ability to hide and reproduce quickly make them more difficult to detect and to...
Be prepared and safeguard your home and family from hurricanes
The time to plan for a hurricane is before the storm arrives. It is never too early to have your master list of friends and family, service providers and post-storm experts on hand. Getting a survey o...
How to prepare and survive a hurricane or other natural disaster
A natural disaster can be scary because of the unknown factor. Yet even amidst uncertainty, there are ways to plan and prepare so you can protect yourself and your family during and after any possible...
A property management company can help you prepare for a hurricane
When it comes to hurricane preparedness, your property manager should be anything but a fair weather friend. Look to your property management company as a partner to help your association think ahead ...

Financing Education

The EFC and how it affects your financial aid
Understanding how financial aid calculations work for the colleges your student is considering is essential to proper college planning. Each family’s finances are unique. What may work for a high-in...
Apply for scholarships the right way to get more money for college
Securing funding for your education can be a daunting and anxiety-ridden task. However, investing the time necessary to identify and apply for scholarships and being focused in your search could make ...
Teach your college student how to budget for financial independence
Teaching your child financial responsibility while in college is one of the most important lessons you can teach them. Going over these financial tips with your college student can not only help them ...
How to save money for college and retirement at the same time
Finding the financial resources to save for retirement and college savings requires careful planning and budgeting. I typically recommend to my clients that retirement savings is the top priority, whi...
College students: manage your spending to help you save money
While you are hitting the books and earning that degree, you also can be making an investment in your financial future by developing good financial management skills. Set the basis for your future by ...
Make the most of federal student loans to pay for college
The U.S. now has the most generous student loan repayment program in the world. The problem is that almost 90% of the public, the majority of the news media, and even most members of Congress don’t ...
Should you use student loans to pay for your college education?
If there is only one thing you take away from this article, it’s that you must assess if the debt is worth it. I encourage you to reach out to a career counselor or a professional in the industry yo...
A 529 plan for your child is a smart way to save money for college
If you plan to put several thousand dollars into any 529 plan, be sure to have a meeting, first, with a CPA or certified financial advisor who understands them well, and can also discuss other options...

Finance for Couples

Debt, savings, and spending basics for the newly engaged
When it comes to finances, marriage is for richer or for poorer. But making the effort to understand and discuss each other’s finances before walking down the aisle will play a major role in a long,...
Newly married couples should plan their finances together
Discussing these do’s and don’ts is a good start. Chances are good that as you discuss them, others will arise. Take the opportunity to open an honest dialogue about your finances – past, presen...
Discussing a prenup can help you both plan your financial future
Most beginnings are ruined by worrying about the endings, a prenup gives you the opportunity to discuss the endings at the beginning. Being knowledgeable of prenuptial agreement is necessary to help y...
Prepare for your first baby with a solid financial plan
Having a child is an amazing and terrifying experience. By preparing your finances in advance you can reduce the financial stress on you and your family and enjoy as much time as possible with your li...
Spend time on your family's financial plan to ensure a secure future
Before you get pulled into the excitement of the holidays this season, take some time to focus on you and your family’s financial plan. Don’t get overwhelmed and take it all on yourself. Call a fi...
Advice on how to agree on budgeting and finances with your spouse
Couples often assign one spouse to take the helm when it comes to home finances and budgets. But this can be a recipe for disaster. It is more important than ever for spouses to work together, stay in...
Marriages succeed when you're open and honest about finances
Newly married couples should ensure that their relationship is not affected because of financial discrepancies. This means that you both need to work together to achieve your financial goals, and neve...
Professional advice on financial planning for newlyweds
Marriage is a great time to work together as a team and get your financial “house” in order. Not only will you set yourself up for long-term success, but it is a great opportunity to bring you clo...
Advice on how to deal with your shopaholic spouse
Using a budget as a tool, talking things through honestly, and removing judgments is the best way for both partners in a relationship to come to terms with overspending....
How to prepare yourself financially for a new baby
Some cities cost more than others for housing, childcare, and energy, while baby items and healthcare are constant. Be sure to investigate all ways you can save money before having your child. Followi...
When having a baby you must assess and adjust your finances
Although saving for college can seem daunting, if you follow these simple dos and don’ts, you can set and reach your college saving goals. You don’t have to save everything, but anything you can s...
Having a baby is a milestone requiring financial planning
Money Milestones such as having a new baby can be exciting. The key thing is to do as much as you can before the baby arrives.People often think they can use their maternity or paternity leave to take...
A prenup or postnup agreement can be really good for a marriage
Nobody wants to think that their marriage won't work or that mid-course you will need to make “adjustments." However, because fights about finance can lead right to the door of divorce, there's some...
Discuss money and budgeting before buying the engagement ring
All of the work that you do as a couple on your financial communication pays off in the end. Getting an early start is great for your relationship and your finances. The ability to have loving and mut...

Surviving Divorce

Have a healthy and successful pregnancy while getting a divorce
Divorce during pregnancy can be fraught with emotion. You are not alone, and you will get through this. Give yourself time to grieve and focus on yourself and the new life you are carrying!...
Successfully move on and start over after the divorce is final
At the end of the day, only time will heal your wounds. However, the more time you spend doing other things, the less time you will have to spend on what used to be. The past is gone, and the future i...
Take the right steps to help yourself and reduce stress during divorce
Although divorce can be quite painful, it is also a brand new beginning. New beginnings can be exciting, and if you focus on the positives ahead of you, you can create new, exciting dreams and hopes....
Move beyond dependence-like behaviours to help heal from heartbreak
The sufi poet Rumi reminds us that the way through the pain is to feel the pain. However, even in the midst of those feelings, if you can catch even a glimmer of the fact that healing is possible, and...
Expert advice when your spouse surprises you with divorce
Being surprised by something as big as a divorce is almost impossible to imagine if you have never been in that situation, and is something no one would wish on their worst enemy. However, if you find...
Rebuild your self-confidence and self-worth after divorce
As far as changing “your relationship” goes, focus on the relationship with yourself and what your life would be like as a woman whose essence will be restored. Begin a self-embracing path which w...
Divorcing your sugar daddy: a zero-calorie drama-free action plan
Divorcing your sugar daddy can be an icky, sticky process. There will be times you want to give up, give in, or simply get even. But in the long term, divorce is just another challenge to overcome. Le...
Get a divorce coach to help and support you in your divorce
A divorce coach may be the only person completely in your court, who is your support for handling your divorce challenges in the most effective way possible; and at the same time helping you to gain c...
You win when you remain civil with your ex during the divorce
Divorce will always be a difficult experience. But your actions and your choices can help you to avoid adding unnecessary pain and unnecessary expense to the process....
What to do if you disagree when dividing assets during a divorce
Dividing assets is an important part of the divorce process and one you do not want to shortchange or overlook. Reaching a fair division of property is the goal. To do that, you need to identify the a...
Advice and help when your husband has cheated on you
Cheating is not a death sentence for a relationship. There are many factors that play into whether or not divorce is inevitable. Remember it is not possible to be committed to two people at the same t...
Keep a level head and productive dialogue with your soon to be ex
When we get divorced for the right reasons, and go through the process lovingly and respectfully, it offers an opportunity for growth and paves the way for a bright future.These spiritual tools can of...
My way or the highway is a road to nowhere in divorce
Effective negotiation relies on effective communication. In divorce this is very important especially if you have children that you will be co-parenting after the divorce. Co-parenting and new relatio...
Stand your ground and get what you want out of the divorce
Many people find it difficult to be assertive, especially in a divorce situation. It is important that you take the right steps so that you do not give in to fear or intimidation and that you get what...
Life after divorce: How to rebuild your self-esteem and confidence
As long as your inner core is not strong, your divorce will affect your sense of self confidence and self worth. Making that core strong will pave the way to the next chapter of your life as a single,...
How to survive divorce and still get what you and your family need
Throwing in the towel is giving up. Sometimes we justify it by saying it just isn’t worth it to keep fighting the fight! And what if you weren’t fighting the fight? What if you were paying attenti...
Women in divorce need to understand division of marital assets
In order to divide assets you first need to be aware of your total financial picture. Getting good advice and representation is also critical to understanding your needs and rights before you sit down...
How to make a trial separation work and not always end in divorce
A trial separation may be the next step; a well-planned trial separation can be enormously helpful. When approached with considerable thought and planning they do save some marriages. Just as importan...
Reduce the stress of divorce by being cooperative and rational
The better a couple is able to cooperate, the sooner you can complete the divorce, which is the ultimate goal. Divorces are not about win or lose; it’s about finding salvation and taking the appropr...
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