September 2017

September 2017

Refinancing Your Mortgage: It’s not just about the rate

Submitted by Gerstemeier Financial Group, LLC on September 29th, 2017

These are truly remarkable times in the mortgage industry. Mortgage rates are still at their lowest point in more than 50 years presenting homeowners with a once-in-a lifetime opportunity to lock in rates while they’re at or near the bottom. No one can say for certain whether rates can or will drop even further, but what is certain is that, at some point, they will go up.

The Five Disability Insurance Mistakes People Make

Submitted by Gerstemeier Financial Group, LLC on September 29th, 2017

1. Underestimating the Odds of Becoming Disabled

The risk of a disabling illness or injury that prevents a worker from doing his or her job is more significant than most people realize. According to information compiled by the National Association of Insurance Commissioners (NAIC), a male U.S.

Planning for the Long, Long Term

Submitted by Gerstemeier Financial Group, LLC on September 29th, 2017

Most people looking to implement a financial plan are making decisions with the long term in mind. While what long term means tends to vary depending on factors like age, individual and family goals it’s safe to say most planners and their clients would agree that long term is usually measured in years, not months.

Want Your Kids to go to College? What Should You Really Expect?

Submitted by Gerstemeier Financial Group, LLC on September 1st, 2017

It’s no secret to any parent with aspirations of sending their children to college that the cost of doing so is quickly inching beyond the reach of even the most affluent families. According to the College Board, which surveys college pricing annually, the average cost for an in-state public college in 2016-2017 is $24,610, and $49,320 for a private college.

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1. Underestimating the Odds of Becoming Disabled

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