What can you do to help yourself get pre-approved? Remember when getting a mortgage was easy? Now, you need pre-approval. So how can you increase your chances of passing that all-important test? You want a lender in your corner. Sellers and agents don’t want to waste their time working with a buyer who isn’t pre-approved. [...]

Four tips for recovering from unemployment. Any period of unemployment is fraught with stress – both personal and financial. While landing that formerly-elusive new job can be a relief, it is only the first step on the road to recovery from unemployment. This transition time is akin to breaking the surface after being underwater for [...]

At Rainstone Financial we create plans designed to help clients make good decisions and accumulate them one on top of another. The challenge has always been how to make good decisions to begin with, especially when there is so much uncertainty in the future. We work off of four first principles that seem to stand the test of time. Regardless of fluctuations in the financial markets, recessions, how old someone is or what type of work they do, these principles still hold true.

You probably read or hear about some “Top Ten” list nearly every day. But take a moment to read this one. This list is different, and probably not the kind of list you’d expect a Financial Advisor to write.

Rolling the dice on returns. When a man walks into a casino in Monte Carlo and rolls a pair of dice at the craps table, he has a 1 in 36 chance (62=36) of the dice lying face up in any particular combination. He knows this because each of the six sides of each die – [...]