Homeowner Insurance Protection after a Fire Loss

After the rain comes sunshine! Summer will be here in no time, and with that, the danger of fires. Is your homeowner insurance protecting you in case of a fire? In this guest post, Fred Giron, a Property & Casualty insurance expert and dear friend to Inspired Financial, explains what is covered by your homeowner insurance after[…..]

Dissapearing railroad on the horizon under a blue and red sky as a concept for future successfullness.

Spring and Enlarging Your Storehouse

Spring is such a wonderful time of year. We celebrate occasions like Easter, The Masters, and tax refunds (if we are lucky). We experience the spring equinox, lengthening days, and wildflowers in the foothills. It’s also a terrific time to go on vacation before the summer crowds, heat, and humidity descend on those places. I’m thinking of[…..]

Elderly lady working with laptop

Learning Opportunities for Lifelong Learner Adults in Orange County

Are you over age 50 and a lifelong learner? Do you enjoy attending classes on interesting topics without having to worry about exams or grades?  The Osher Lifelong Learning Institute (OLLI) might be the right organization for you! The OLLI program is offered at various universities in Orange County: UC Irvine, Cal State Fullerton, Cal State Long[…..]

perm at home

Not a “One-And-Done”: The Importance of Reviewing Your Estate Documents

You know how there are some things in life that you really only need to do once and not feel compelled to ever do them again? Wisdom teeth removal, home perms, and puberty all come to mind here. However, other things that might seem like “one-and-done” issues actually bear repeating. For example, how often should you review[…..]

hand in hospital

Three Legal Strategies When Facing A Major Health Event (Guest Post)

Curtis Kaiser, Esq., a professional colleague and a personal friend of ours, recently wrote his own blog post on Major Health Events. To me it was impactful and I asked Curtis if we could share it with our clients and friends.  Last month, Curtis volunteered a day of his time to be Counselor for a Day in[…..]

Decorated Christmas tree branch with holiday pastry

A Season of Firsts: Financial Tips for New Widows and Divorcees During the Holidays

As any new widow or divorcee knows, the initial year after her transition is full of firsts—the first birthday alone, the first anniversary alone, the first vacation alone—and among the most challenging of these can be the first holiday season alone. “The most wonderful time of the year” may not feel so great this year and the[…..]

closeup of electronic calculator buttons

The Complexities of Capital Gains Rates

Most of us know that taxes on capital gains are more favorable than other types of taxable income.  For “ordinary income”, the tax brackets have rates of 0%, 12%, 22%, 24%, 32%, 35% and 37%.  Ordinary income is comprised of things like wages, interest income, and IRA distributions, among other things. To contrast, capital gain rates are 0%, 15% or 20%. […..]