The kids are back at school, and that first bracing cold front of fall has hit Austin! Okay, the second part isn't true at all... but there HAS been an event that might spur you to reach out for a coffee: the Federal Reserve Bank cut core interest rates by .5% this month. A reduction was anticipated, but most analysts were surprised by the size of this one. You have probably seen a news story or 5 about this, all claiming to communicate "what this means for you!".

Well, the devil is in the details, and a 75-second news story might give you some hints, but you should do some deeper analysis before jumping into action. For example, if you bought a home last year with an 8% mortgage, should you refinance now, or wait? Well, it depends. You've been waiting to sell your home and downsize - is now the time? It depends.

These are decisions with major financial impact to your life, so it's best to consult with an expert. If you're thinking of buying, selling, refinancing, or any combination of the three - hit me up! I'd love to buy you a coffee and discuss your UNIQUE situation. Coffee's on me and advice is free.