In this week’s webcast, we talked about the issue of declining home ownership, why buying a home might be beneficial to you, how much home you can afford, and how to refinance your home to get the best bang for your buck.

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I’m thinking of one client, Stephanie, who is 49 years old. Her husband had been unemployed for 18 months. Happily, he had just gotten a job, and they were excited for him to get started working again. But during that 18 month period, expenses had severely tapped their savings.

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Just as once a year you spring-clean your home by pulling out the ladder and dusting ornamental treasures on the highest display shelves, once a year, there are certain steps you must take to protect yourself financially.

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