Rob Black and Tony Mendes discuss credit card security, using sites like CreditKarma.com to keep your money safe and just how important a good credit score is. Other topics discussed are:

• Updates on home prices in California and the best way for parents to gift money to their children for purchasing a home.
• Why Tony and Rob like borrowing money from HELOC's.
• Issues being faced by people who took home equity lines of credit between 2005 and 2008.
• How lack of affordable housing is affecting renters and home buyers.
• What to expect as interest rates continue to rise in the Bay Area.

Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from Noon to 1:00 p.m. (PDT)

Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.

Val Vandervort, real estate agent from Keller-Williams discusses the status of Bay Area real estate. She also discusses the usual buyer in the Bay Area. Should you wait for interest rates to rise? The process of selling a home and speculation on the 2015 real estate market.

Encore Presentation

Click HERE to sign up for our upcoming seminar!

Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from Noon to 1:00 p.m. (PDT)

Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.

Commercial-Free

You may have seen ads for mortgage accelerators—expensive products that purport to help you reduce your interest and pay off your mortgage early. In this podcast, Chad Burton, CFP®, and Rob Black explain why you should be skeptical of mortgage accelerators and other "too-good-to-be-true" products you see advertised. They also explain why CNBC may be the worst place to turn for financial news.

Commercial-Free

Holding a mortgage has certain benefits, can pre-paying be worth the risks? In this podcast, Chad Burton, CFP®, reviews the benefits of having a mortgage with a balance great enough to claim a beneficial tax deduction. Find out what factors affect the affordability of a mortgage, including interest rates and wage inflation.

www.NewFocusFinancial.com
1-888-762-2423