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Shirtsleeves to Shirtsleeves in Three Generations

Reading Time: 2 minutes The Scottish proverb “shirtsleeves to shirtsleeves in three generations” describes the cycle of families starting with little means who build their wealth through hard work, but by the time great-grandchildren are in charge, the family is back...

Should You Refinance Your Home?

Reading Time: 2 minutes This question as to whether you should refinance your home has been popular recently as mortgage rates are falling to new historic lows.  In the 1970s and 1980s, it was common to see interest rates in the double digits.  Fortunately, rates have...