Numbers & Email

Call: 609-567-1884 | Fax: 609-567-2028
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Mission Control

Most of the things that people fear in the economy they cannot control. There are things they can control, but are often put on the back burner. Here are some action steps to complete ASAP:

  1. Credit card debt. Most rates are related to what the Federal Reserve does. If rates start to shift up, the rate on variable loan rates such as credit cards and certain equity loans may rise. (often dramatically)
  2. Mortgage rates are at all-time lows. It may be time to refinance or consolidate loans. This is most important if you have variable loans collateralized with your house. (Home Equity and Lines of Credit). Remember, you typically can pay a 30-year mortgage off in 15 years. But you cannot pay off a 15-year mortgage in 30 years. Banks want their money!
  3. Build up a war chest of accessible money that will cover bills, “just in case.” Start with $2,000.
  4. Take advantage of lower prices on products you may need such as washer, dryers, and cars. We had little inflation in these areas recently. With 0% financing still around, this can be a real deal.
  5. If you are struggling, it is a good idea to sit down and talk about it. It is a time to take action!
  6. If you know of someone who is laid off or out of work, talk to them. Let them know they are not alone. Atlantic and Camden County have been incredibly hit hard in this economy. Also, feel free to give them our names. We help people with their retirement asset decisions in times like this.
  7. We offer a Second Opinion Service, SOS. We’ll take a professional look at where you stand and where you want to be.

Disclosure

Advisory services offered through Investment Advisors, a division of ProEquities, Inc., a Registered Investment Advisor. Securities offered through ProEquities, Inc., a Registered Broker-Dealer, Member FINRA and SIPC).
Clark Associates Financial Planning, Inc. is independent from ProEquities, Inc.

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