The Retirement Smith

If you have refinanced your house, or purchased a house during this low interest rate environment you undoubtedly received in the mail about twenty offers for mortgage protection.  Over the last year, my wife and I refinanced our house to take advantage of the rates and I was shocked at how many crafty marketing letters […]

I grew up in a small town, and when I say small town, I mean it was tiny. I graduated with a total of 43 kids in my class. The biggest lessons I learned from my time in that small town is that communities thrive on relationships. I learned quickly if my friends and I […]