10 Simple Things to Protect Your Skin from Summer Damage
A good friend of mine recently called because she forgot her sunscreen and got a sunburn. I was able to treat her skin and give her some relief. After the treatment, I went through my list of 10 simple things to protect your skin from summer damage.
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Glycolic Peel
Glycolic peels reduce brown sunspots and creates a younger and more even skin tone by removing dull, damaged layers and dead skin cells.
The Power of Beauty Products
As a pivot my practice to work exclusively with providers of beauty products and services, I am excited to participate in what I consider to be the power of beauty.
The Quest for High ROI
Portfolio diversification, tax efficiency, profit generation, consistent cash flow, inflation protection, and wealth creation are the primary goals for real estate investing. In California, it is possible to excel in these areas with real estate investments.
How to Not Beat the Market
Investing is not a competition. Invest responsibly based on your tolerance for risk, frequency and timing of your cash flow streams, your timelines and your overall net worth.
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Managing Your Money After Retirement
Taking the Right Kind of Risks The greatest challenge in investing as we age is to resist the urge to stop taking financial risk. In our minds, we are playing it safe by eliminating stocks [...]
Realty During Covid-19
A Guide for Buying and Selling Realty During Covid-19 became an important priority when the world came to a sudden halt and the State of California ordered us to stay home.
Selling Your House
Congratulations on starting the process of selling your home! This timeline will guide you through the steps required. I will provide insights on each step. You don't need to follow it exactly, but, it [...]
Markets and Behavior
When the stock market made a dramatic decline at the beginning of the millennium I was a registered investment advisor working in Northern California. Fortunately I was still teaching finance courses part-time at California State [...]
Steps in the European Facial
Healthy skin often begins with a Classic European facial. This classic facial is the foundation of skin care and should be continued as a part of ongoing monthly skin care routine. Classic European facials [...]
Why a Buyer Should Never Pay More than Appraised Value on Leveraged Property
Recently a friend asked me to explain why a buyer should never pay more than appraised value on leveraged property. Since she had taken a few classes I began by explaining the opportunity costs associated [...]
This Laguna Woods Woman Worksout, Swims, and Goes to Work
Laguna Woods Dynamic Red Head Moving to an age restricted community is not what I thought it would be, it's better. Part of what I find exciting are the people. Everyday since I moved to Laguna [...]
Tax-Deferred 1031 Exchanges
A 1031 exchange involves a swap of like-kind real estate for like-kind real estate. Tax-deferred 1031 Exchanges are important for investors of commercial and income properties. Federal tax law allows taxpayers to defer capital [...]
Can an IRA Own Real Estate?
A traditional IRA, Roth IRA, or SEP can own real estate in a self-directed account. Eligible types of property are land, commercial property, rental condominiums or residential property, trust deeds, and real estate contracts. [...]
Adding Value to Your Practice Increases Your Net Worth
I was recently talking to local practitioner about ways to add value to the firm. During the course of the conversation I realized that he and I were talking about two different concepts. I was [...]
