Principal Shield Financial

Occasionally, when a law is passed not everybody is affected in the way the law intended. This is referred to as The Law of Unintended Consequences. When Proposition 13 passed in California in 1978 several significant and financially beneficial chang...

In the last few months I’ve helped several families refinance and consolidate their credit card debt using the equity in their houses. One family was able to save $1,100 per month, another family $1,300 per month, and another family $1,700 per mont...

Odds are if you don’t pay them you don’t know what they are and if you do pay them you don’t know why. Mello-Roos is a Special Tax paid by homeowners who purchase a home in a Community Facilities District and is paid in addition to ...

As a California homeowner, you are responsible for paying property taxes on each and every property you own, but only during the time that you own each property. The amount of your property taxes, as set forth in Proposition 13, is based on the asses...

On June 6, 1978, nearly two-thirds of California’s voters voted yes and passed Proposition 13, reducing property tax rates on homes, businesses, and farms by about 57%. That was almost 38 years ago and California homeowners still benefit from it to...

Technology has inspired a great many beneficial inventions and creations. Whether credit scoring is one of them is a debate for another day, but credit scoring is here and it isn’t going away any time soon. That being said, one of the little known ...

There was a time when paying your monthly debt payments by their respective due dates (on time) was enough to constitute good credit because your payment history was a great indicator of your willingness to repay your debts and to pay them on time. Y...

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