Money Matters 2021

San Clemente Times October 21-27, 2021

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Welcome to

MONEY MATTERS

MANAGE YOUR MONEY SAFELY AND WISELY

I

n the new world we live in during the COVID-19 pandemic, looking after your finances is more important than ever. That’s why we bring you this “Money Matters” section. Fiscal experts will help give you pointers so you can navigate these precarious economic times with some peace of mind and security. Cutting back on unnecessary spending and investing in safe stocks is always sound advice.

While the economy shows some signs of improvement and reasons for optimism, concerns still linger. People have resigned from their jobs in record numbers, and the service industry is struggling in the midst of the health crisis. Now is the time to pay close attention to your bank account and start planning for your monetary future. We hope the advice on the following pages enables you to have a rainy-day fund to handle emergency expenses, take care of yourself and your family, and live the life you’ve envisioned.

MONEY MATTERS ADVERTORIAL | BY WILLIAM LEBER, AMERICAN ADVISORS GROUP

USE YOUR HOME TO RETIRE BETTER Reverse mortgage loans offer many ways to accommodate your lifestyle depending on your circumstances.

Increasingly, they are playing an essential role in comprehensive retirement and financial planning.

To learn more about how a reverse mortgage loan may be able to help you retire better, I offer a free, no-obligation consultation, either in person or over the phone. I will go over comparable sales in the area to get an approximate value of your home, look at different reverse mortgage products to see if any fit your needs, explain how a reverse mortgage works for your unique situation, and illustrate how the overall process works. Again, all at no cost to you. I welcome any close financial advisors and/or family members who would like to be involved in helping you make an informed decision.

If you have all the information and knowledge about reverse mortgage loans, it is much easier to see if one is the right fit for you.

portant part of my job is for me to get you the information you need to make an informed decision.

Community Involvement: Laguna Niguel Senior Citizens Committee, past co-chair; Laguna Nigel Rotary, past president; Laguna Niguel Chamber of Commerce, Board of Directors; Laguna Niguel Historical Society, member; Laguna Niguel Traffic and Transportation Commissioner, past co-chair; Laguna Niguel American Legion Post 281, past and founding commander; Laguna Niguel American Legion Riders, Chapter 281, past president; Laguna Niguel Military Support Committee, past member; and El Niguel Terrace HOA, past president.

Contact me and I will send you a booklet free of charge: “Use Your Home to Stay at Home,” the official reverse mortgage consumer booklet approved by the U.S. Department of Housing & Urban Development, National Council on Aging (NCOA).

“Nobody benefits from an unhappy client.”

Local Knowledge: It reminds me of the lesson of sailing into an unknown port. Having someone with “local knowledge” to give you information as you come ashore and learn the lay of the land is extremely important. I’m local to the area for over 60 years and very involved in the community. I have lived in Orange County all 67 years of my life (except three years away in the Army) and over the last 35 years in Laguna Niguel. I love my community and serve where I can. I’m married to Jessie, we have three grown children, and a new granddaughter.

Product Knowledge: I have more than 40 years of retail finance, including over 15 years of experience doing only reverse mortgages. I feel the most im-

San Clemente Times October 21-27, 2021

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William (Bill) Leber, NMLS ID: 319724 Reverse Mortgage Professional (949) 370-3638 Email: WLeber@aag.com Website: aag.expert/BillLeber

American Advisors Group, NMLS ID: 9392, is headquartered at 18200 Von Karman, Suite 300, Irvine CA 92612.

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MONEY MATTERS ADVERTORIAL | BY TRITON AIR

HEATING AND AIR: HOW TO LOWER YOUR ENERGY BILL WHILE HELPING THE PLANET Brian and Janet moved to San Clemente 19 years ago, ready to enjoy their retirement by the beach. In the past few years they noticed a significant increase in their energy bills, and whenever their AC unit would run, the lights in their home would flicker and shake.

They decided to replace their heating and air conditioning system this summer, and have already noticed a remarkable improvement.

“It doesn’t use as much energy, it is so quiet we can’t even tell it is on, we love that we can control it with our Amazon Alexa or smartphone, and as an added bonus, our lights no longer flicker and shake anymore!” said Brian.

“It saves us money, and is friendlier to our planet!”

Brian and Janet are not alone. According to the U.S. Department of Energy, replacing your heating and air conditioning system can save up to 40% on your energy bill. New proven motor technology reduces the amount of electricity used up to 70%, and today’s heat pumps are solar-friendly and emission- and San Clemente Times October 21-27, 2021

fossil fuel-free. This is especially relevant as not only is the cost of gas increasing, but penalties and taxes are being added to fossil fuels - and it is likely only to get more expensive. New systems are designed for lower operating sound levels, and Triton Air technicians use special installation techniques and accessories that further reduce operating sound both inside and outside the home and at your air vents. Additional current rebates offered through your local utility company or dealer, tax credits on qualified systems, and worry-free standard 10-year warranties are beneficial as well.

Another way to reduce costs is with regular proactive maintenance performed by a licensed technician. Just like your car, heating and air conditioning systems need regular attention and maintenance. Cost savings include lengthening the life of your current system, reducing the amount of energy it uses and looking over critical components such as your ductwork. Your ductwork is one-third of Page 17

the equation in energy savings. We often find an average of 30% of the cold/warm air generated is leaking into areas like your attic instead of going into your home. This greatly wastes money and energy until the leaks are addressed, not to mention concerns of unhealthy air getting into your home.

What to look for? When you are looking for a new HVAC system, it is recommended to have your current home setup evaluated by a background-checked, licensed HVAC technician who is aligned with a local, highly rated, reputable company. They will assess the best solutions for your home, its configuration and your family’s needs, and then provide you options available.

Call Triton Air today for a free estimate on replacing your system or schedule your proactive maintenance today! Ask for LuAnn at 949.339.2896 Brian & Janet Shannon love their quiet, emissionfree, energy-efficient system. sanclementetimes.com

San Clemente Times October 21-27, 2021

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