Stress Testing Your Financial Plan
Zavitz Blog Samantha Way Zavitz Blog Samantha Way

Stress Testing Your Financial Plan

A financial plan is a tool and, just like any other instrument in your life, should take into account all of the aspects of your situation – the good, the bad, and sometimes, the unfortunate! Considering the important questions about your financial future, which we wish we had a crystal ball for, will put you ahead of the majority of those that do not have a financial strategy in place. Before you know it, your plan looks better every year, and an ideal retirement is in sight; but an unexpected change can cause everything to fall flat.

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Top 5 Financial Priorities for Young Families
Zavitz Insurance Zavitz Insurance

Top 5 Financial Priorities for Young Families

Many young families find it hard to make ends meet. You might not be earning your full income yet, inflation has increased the cost of everything, interest rates are currently 20 times higher than they were a mere 21 months ago, and if you add a couple of kids to the mix things can get tight fast. So how do you decide where to put your money? Here are the top 5 financial priorities that all young families need to address.

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Figure out your personal household budget in 20 minutes or less
Zavitz Insurance Zavitz Insurance

Figure out your personal household budget in 20 minutes or less

How much money you do spend every month? Can’t answer that? Does it concern you? Join the club and read on.

Budgeting, tracking expenses, or whatever you want to call it, is a daunting task for most of us. And I mean “us”! With a young family of our own it feels like our money is flying out the door every time we blink. It’s quite scary sometimes. Recording every dollar we spend is a massive undertaking. Trust me, I’ve tried it and it never takes.

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Mortgage Shopping: It Can Save You Thousands
Terry Zavitz Terry Zavitz

Mortgage Shopping: It Can Save You Thousands

Recently I had a client who was renewing their mortgage on a commercial property that she owned. She accepted the bank’s terms thinking that as a long-time customer, they would give her the best rate. he quickly learned that a better interest rate was available with a competing bank and the difference would save her $10,000 in interest payments over 5 years.

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Different Levels of Poor
Justine Zavitz Justine Zavitz

Different Levels of Poor

Clients in their 20s often believe that their financial situation will become easier once they are finished school and start making an income. Sometimes this is the case; however we’ve learned that more often than not, they just experience “different levels of poor.”

What do we mean by this?

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