Should You Save Your Money or Pay Off Your Bills?

This is an age-old question debated by consumers and financial advisors alike. In a recent National Foundation of Credit Counseling survey, 89% of those polled said they are working on paying off their debt first.   And, given the state of the economy in recent years, it’s both surprising and admirable. While paying debt is … Continue reading Should You Save Your Money or Pay Off Your Bills?


Things to Remove From Your Home Before You List it for Sale

Are you thinking of listing your home to sell? If so, then consider the following for better presentation to prospective purchasers, and a clutter-free environment for them to make a decision on whether to purchase your home or keep on looking. In addition to removing excess clutter in closets, drawers, the basement and garage, there … Continue reading Things to Remove From Your Home Before You List it for Sale


Save Money on Credit Card Debt

Many people have questions about credit card debt — and, more importantly, how they can reduce it or pay it off completely. Here’s a couple of tips that may help. Say you charge $2,000 and the interest on your credit card is 12%. If you only make the minimum payment, it will take you approximately … Continue reading Save Money on Credit Card Debt


Staying On Top Of Your Mortgage Servicing Issues

Have you ever wondered if the extra principal payment you made was properly applied to your mortgage loan balance? What about your escrow account – how was that dollar amount calculated? Do you wonder if you were ever erroneously charged a late fee? The Consumer Finance Protection Bureau has issued rules requiring the company where … Continue reading Staying On Top Of Your Mortgage Servicing Issues


Check Your Credit Before You Refinance

Credit and refinancing If you’re considering refinancing your mortgage, you owe it to yourself — and your credit — to take a long look at your credit report beforehand. It’s a good idea to get a copy of your credit report before making any significant credit application, let alone a new mortgage. This applies, even … Continue reading Check Your Credit Before You Refinance


Rounding up Your Mortgage Payment

Many times in the mortgage lending industry, loan officers are asked what’s the best way to prepay their mortgage. Naturally, if you can afford an additional $100 or $200 per month to add to your monthly loan payment, you’ll save a substantial amount of interest over time by reducing the principal balance of your mortgage. … Continue reading Rounding up Your Mortgage Payment


Landscaping Can Add Value to Your Home

An article recently published by a real estate appraiser stated, ”A good landscape can add value to your home, and if you’re planning on selling it can reduce the number of days the home is on the market.” It’s commonly called “curb appeal,” and it’s the way your home makes a good “first impression.” While … Continue reading Landscaping Can Add Value to Your Home


Five Ways to Save Money on Your Homeowner’s Insurance

If you’re like most people, once you get your homeowner’s insurance policy you forget about it and probably never think about it again until a situation arises involving a possible claim. Your insurance policy is probably renewed annually and — unless there’s a dramatic increase in the premium — your policy and coverage remains “out … Continue reading Five Ways to Save Money on Your Homeowner’s Insurance


Translating Real Estate Descriptions… What it REALLY Means!

We’ve all read the descriptions of homes for sale in magazines, newspapers and online. The sellers use words or phrases that are designed to interest and attract potential homebuyers, but many times the description doesn’t really fit the situation. We came across a few that tickled our funny bone… and hopefully, it will yours too! … Continue reading Translating Real Estate Descriptions… What it REALLY Means!


So, You’re Shopping for a Home… Shop for a REALTOR® First!

Buying a home can be exciting. But it can also be an odd mixture of fear, anxiety, second-guessing and anticipation because it means a new chapter in your life. Choosing the right real estate agent may be the smartest thing you can do before you begin your search. Everybody knows somebody in the real estate … Continue reading So, You’re Shopping for a Home… Shop for a REALTOR® First!


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