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Matthew Schwartz
Owner | Advisor
Schwartz Financial Services, Inc.
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April 2021



More People Delay Claiming Social Security

The average age…


Adam Risman is a Commercial Risk Advisor with Risman Insurance Agencies, a family owned business in Medford since 1925. 

As a business owner, you take calculated risks every day in order to keep your business thriving. But what about the risks you haven’t considered? Massachusetts Business insurance is an excellent way to allow you to concentrate on profit without being blindsided by unexpected liability.

Regardless of…

The real estate industry is booming right now. Over 700,000 homes were sold in the U.S. in 2019 alone. Now, thanks to the COVID-19 pandemic, it’s expected that the housing market is going to rise even more as people are looking for a change of scenery. 


But, there are more ways to make money in the real estate industry than most people realize. Whether you’re a realtor, a house-flipper, an investor, or you’re just interested in learning more about real estate, in general, it’s important to know as many unique ways as possible to increase your cash flow. 


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Stage 1: Find a Suitable Property 

The first step to flipping a home is finding a suitable property. You might be buying ones to renovate or building a property to sell on – in which case you would need to find land as well. At one time you had to search databases manually or use a property consultant, but times have changed. 



John Geraci joined LGA, LLP in 2009 as the head of the Assurance and Accounting department and became managing partner in 2015. His passion lies in creating an environment that fosters communication, teamwork, honesty, hard work when needed, and fun whenever possible. These may be buzzwords in other companies, but at LGA, it’s true – and it’s working – as the 2019 Best Places to Work award demonstrates.

John leverages his…

7 Things You Should Know Before Launching Your Business 

Source: Pixabay CC0 License


If you have thought about starting a business for several years, this might be the perfect time to do. Whether you’ve lost a job or just want to capitalize on the unique landscape, there are many reasons for entrepreneurs to be optimistic. 



B2B start-ups can be a challenge to say the least. You may find that it takes forever for you to get your first 100 customers, as this is a huge milestone. That being said, there are ways for you to speed up the process.

Use your Connections

The first thing that you have to do is ensure that you are using your connections. You need to try and create a list of every single person you know, whether they are your friends, your business acquaintances or anyone who may have a remote interest in your product. If you notice that they do not embrace your company…

If you’re starting a business, you may be considering building your premises from scratch. This can be a huge decision, and certainly requires a fair amount of investment on your end. However, it can also present many benefits. While it may not be a good decision for every business and business owner, it could be a good idea for businesses looking to have total control over their operations and investments. Let’s take a look at a few good reasons you should do this: 


When you start a business from nothing, it can mean that you often need outsourcing help to get things moving along and one of those things can often be the products. Moving your business forward might mean that you decide to look at manufacturing as part of your current business model. It may be that you have struggled to get hold of the product in the last year, especially because of the Covid-19 and the global reaction and threat there has been. Bringing things closer to home means you have a better chance of getting things moving again and a lot more control.       



Two New Rules That Could Make Getting a Home Loan Easier

 February 17th, 2021

Two new mortgage lending rules could help some borrowers more easily qualify for well-priced home loans. In December, the Consumer Financial Protection Bureau made some final changes to its qualified mortgage (QM) definitions that affect which loans can be guaranteed by the government entities. If you meet the requirements for a QM, you’re more likely to be offered better rates and terms than those who don’t qualify…