Category Archives: Money & Real Estate

Competitive Coverage to Meet Your Family’s Needs

Staff Reports

Norco – At the Melanie Smith-Rice State Farm Office, 24-hour good neighbor service is at the forefront. Smith-Rice is confident that she can meet your needs for all insurance and financial services, and promises to wow you with expert professional service.


A State Farm Agent since 1985 and a Corona resident since 1971, Smith-Rice understands the needs of the community and has worked hard to provide a palette of services that makes one-stop-shopping easy and affordable. Along with Auto insurance, Smith-Rice provides Home Owners and Renters Insurance.

“A home is a big investment, so let’s make sure you have enough coverage at the right rate,” says Smith-Rice. As well, protecting your personal property may be more affordable than you think. “The average person has over $200,000 worth of stuff that is probably not covered under your landlord’s policy. That’s where our State Farm Renters insurance comes into play,” she adds.


More important than the care of your property is the care of your family. Along with Life Insurance, the Melanie Smith-Rice State Farm Office can provide various types of health insurance, including Long-Term Care should you become unable to care for yourself.
And for the business owner, Smith-Rice says, “I understand the needs of a business owner like you. Together we can help protect your business and plan a roadmap for your financial future.

As if all this weren’t enough, the Melanie Smith-Rice State Farm Office can provide you with financial services such as Mutual Funds, Annuities, and even Banking (yes, Banking!), including Bank Accounts, Credit Cards, and Loans.


Don’t wait another minute to help ensure your family’s well being. Call the Melanie Smith-Rice State Farm Office today, and get peace of mind in return. A staff of professional experts is standing by at (951) 734-5290, or Toll-Free at (888) 734-5292. They are located at 2027 River Road in Norco, in the Stater Bros. shopping center at Second Street and River Road.

Make the Wright Choice for Your Insurance

Staff Reports

Chino – When looking for an insurance company, Wright Insurance Services is the right choice. For the last 30 years, they have been providing the best in auto, home, business, and life insurance…and they are still going strong!


JB Wright Insurance Services is an Independent Insurance Agency, which means they represent many different companies so they can find the one that is right for you. Their staff has the knowledge and experience of their insurance products to provide maximum benefit and protection to their clients.

“Our goal is to provide our clients with the insurance they want at the lowest possible price, while providing them with the highest level of customer service,” said owner and agent, Joel Wright. “We can furnish our clients with an assessment of their insurance needs and choice of which package fits them best,” he added.


Being an independent agency allows customers to have stronger coverage, better protection, and the lowest possible rates. Wright Insurance Services has access to more options than any one single insurance carrier can offer. “This ability to compare pricing helps us secure you a lower premium,” said Wright.

Wright Insurance was founded by Joel Wright and his parents Bob and Myrna, and their company is now an agency that the community knows and trusts.


“It’s quite fulfilling to have been a key source of insurance for thousands of people in the Southern California area, who have come to rely on us,” said Joel Wright.

Now, customers continue to spread the good word about Wright Insurance Services because they are treated like friends and family, rather than just clients. “Professional people who treat you like family is always The Wright Choice!”


Wright Insurance Services is located in both Chino, 909-628-0444 and in Santa Clarita, 661-244-5244. Visit one of their licensed professional insurance agents at 3340 Riverside Dr. Ste. L in Chino. However, if you want a quick quote, call 909-628-0444.
“It’s always FREE and always FAST! Better protection…lower premiums…the WRIGHT choice for 30 years!”

Love and Money: 8 Tips for Couples to Improve their Finances

Photo Courtesy: (c) michaeljung / stock.adobe.com

By Statepoint

When love and romance are in the air, talking about finances may be the last thing on one’s mind. However, experts say that regular conversations about money are essential for healthy finances and healthy relationships.

Unfortunately, 47 percent of Americans say their spending equals or exceeds their income, and 45 percent do not have enough savings to cover at least three months’ worth of living expenses, according to a 2018 study by the Center for Financial Services Innovation. To help you and your partner get the conversation started and get your finances on track, the professionals at Wells Fargo are offering eight tips:

  1. Pay yourself first: With each paycheck, set aside some income for savings — about 5 to 10 percent is a good target. Whether it’s for a rainy-day fund or the downpayment of a house, you and your partner can discuss how to prioritize savings for the greatest impact. This may also be a good time to discuss whether it makes more sense to have a joint account or retain individual savings accounts.
  2. Track your spending: Do you know where your money is going each month? Online tools and apps make tracking easier than ever before, helping you gain insights into your individual and combined spending habits so you can adjust where necessary.
  3. Create a safety net: Do you have emergency savings that would cover three to six months’ worth of expenses? This is a basic measure of financial security that you and your partner can work on building together.
  4. Pay down your high-interest debt: Honest conversations about debt can be especially hard for many couples. But transparency is not only ethical, it can serve as the first step to confronting the issue head-on. To tackle debt proactively and save money in the long run, it helps to be strategic, starting with the highest-interest debt that’s costing you the most first.
  5. Pay on time, every time. If you’re like many couples, you have dreams for your future. Paying bills on time will improve and maintain your credit score, which will open the door for greater financial opportunities down the line and help you make these dreams a reality.
  6. Know where your credit stands: Check your free credit report annually and spot trends.
  7. Review your insurance annually: Protect what counts, by checking your coverage annually and making updates to your policies as your circumstances change (i.e. you get married, buy a home, have children, etc.).
  8. Save for a better retirement: Save at least 10 percent of your income each year for a more comfortable retirement. More tips and financial resources can be found by visiting http://www.wellsfargo.com.

Bottom line: while it’s not always easy to address financial matters, doing so can save your relationship headache and heartache down the line.

Tips for a Smooth Tax Season

Photo by: Sarah Pflug

By Statepoint

Though Tax Day happens every year, it still seems to take many Americans by surprise. This year, don’t miss the deadline or let this crucial to-do loom large over your head.

To have a smooth tax season, consider the following:

• Getting Started Early: If you can, get a head start on your taxes. Filing early is a good tactic for anyone, but particularly those with evolving or complex financial circumstances Not only will doing so help you prevent the anxiety that comes with procrastination, you’ll receive your refund early — if you’re due one — or give yourself time to prepare to pay any owed taxes.

• Relying on Old Tricks: When it comes to tax preparation, sometimes, using old-school methods is the best way to go. Whether you are just getting started on crunching those numbers or you’re finalizing all the information, a printing calculator like Casio’s HR-170RC includes features that can aid in tax preparation and submission. This model also has some newer tools, like a built-in tax feature that lets you store a frequently-used rate and pull it up at-will, slicing your calculation times by an impressive margin. Other functions include: a reprint key, a check function to scroll up to 150 steps of previous calculations, a grand total function for quick correction of mis-entries, currency exchange calculations and cost/sell/margin calculations.

• Doing Research: The list of what is tax deductible is more extensive than you might realize, so do your research. Keeping good records throughout the year of your expenditures can help you take advantage of these opportunities.

• Having a Refund Plan: Don’t just let your checking account absorb your tax refund only to spend it on an impulse buy. Whether you invest the money in your retirement, sock it safely away for a rainy day or put it towards the purchase of a big-ticket item, such as the down payment of a house, having a plan for your tax refund can help you make the most of the money.

This year, have a fuss-free tax season. With a little planning, you can file your taxes efficiently, without headache and at the greatest benefit to your finances.