All posts by Thierry Roche

CPR hands only

CPR hands only or CPR using only your hands can save lives. “Almost 90 percent of people who have an out-of-hospital cardiac arrest die” says The American Heart Association. But by performing CPR hands only within the first few minutes of a cardiac arrest event, you can double or triple a person’s survival chances. A […]


Be Tall Enough

Remember when you were a young child, at an amusement park waiting in line to ride a most exciting ride and then you see the sign “you must be this tall to ride” and find out you don’t measure up? The disappointment and embarrassment you felt helped you decide that you didn’t want that to […]


Would-be Buyers with Student Loan Debt

According to the National Association of Realtor’s Aspiring Home Buyers 2017 profile, 59 percent of non-homeowners do not feel comfortable taking on a mortgage when they have student loan debt. Estimates claim that today’s college graduates average around $37,172 in student debt and that 39 percent of non-owners have student loan debt. Major player, Fannie […]



Would-be buyer to should-be buyer

Owning a home can be an emotional investment for some would-be buyers. They want to have a place to raise their family,enjoy gatherings and feel secure and safe. Other buyers may be more interested in lowering their costs of housing or building equity. No matter what your motivation is we can easily justify that now […]


Deduct Your Interest and Lower Your Rate

America’s credit card debt is back and at levels we saw prior to the recent recession. According to CreditCards.com Weekly Credit Card Report, APR’s are running just under 16 percent. But homeowners have an advantage that renters do not when it comes to dealing with high debt. Debt advisors will tell you that you need […]



Save the Cost of Mortgage Insurance

The Great Recession included a banking crisis and in turn mortgage products were streamlined and others were taken off the table. With the return of the economy, previously unavailable mortgage products are now being offered.  One of those products is called the “Piggyback” or the 80-10-10 mortgage and it can save you a lot of […]


Estate Planning – Don’t put it off!

You need estate planning! In the event of your death or incapacitation, these documents will be used by your executor(s) to make decisions for you. Your surviving spouse, adult children, minor children, property and your investments will all be factors for decision making and will only benefit if you get it done. Will – used […]


Tax Benefits of Home Ownership

In 1913, the 16th amendment introduced personal income tax and U.S. taxpayers have enjoyed specific tax benefits for home ownership. These tax benefits may not be the reason why most people buy a home, but they are real and are not available to people who rent. Changes made to the capital gains tax code in […]