Inexpensive Fall Decorating Ideas

Inexpensive Fall Decorating Ideas
Autumn itself provides a bounty of fall decorating ideas. No need to decorate for fall with cheap, plastic, fake items when the real thing is charming, more tasteful, and easily creates a beautiful fall feeling in your home. Here are 13 easy & inexpensive fall decorating ideas for you to get your natural fall style on! DECORATE WITH MINI PUMPKINS 1. Use a pumpkin as a vase for fresh flowers. Clean out the guts and seeds and use the pumpkin to arr

7 Ways To Use Your Home Equity For Retirement Income

7 Ways To Use Your Home Equity For Retirement Income
Question: I am a late starter to retirement planning. Should I count my house or the equity in my house as an asset in my retirement plan? If you are playing catch-up on your retirement planning, you need to maximize every asset you have to make retirement a reality. In general, financial planners don't count the equity in your home when constructing a retirement income plan. Practically speaking, you need a place to live! So financial planners coun

The Cost of Title Insurance is Worth the Investment

The Cost of Title Insurance is Worth the Investment
Whenever there’s an article in the news about title insurance, all too frequently there is criticism about the cost. This perception occurs because there are fewer claims with title insurance compared to other forms of insurance. The higher percentage of claims an insurance company pays should not be equated with the value and cost of the policy. This is especially true with title insurance. Most types of insurance cover incidents that may occur in the ...

How to Get Your House Ready to Sell

How to Get Your House Ready to Sell
Whether it’s a family home that you’ve inherited or a home where you’ve raised a family and created memories, letting go of a property can be an emotional experience. It’s important to carefully select a real estate agent with experience selling properties in your area and in a similar price range. A good place to start is reading reviews of agents online, and asking friends and family for recommendations. Your agent will evaluate your situation and ...

5 Reasons to Sell this Fall

5 Reasons to Sell this Fall
Here are five reasons listing your home for sale this fall makes sense. 1. Demand Is Strong The latest Buyer Traffic Report from the National Association of Realtors (NAR) shows that buyer demand remains very strong throughout the vast majority of the country. These buyers are ready, willing, and able to purchase… and are in the market right now! More often than not, multiple buyers are competing with each other to buy a home. Take advantage of the bu...

These Are The 4 Biggest Mistakes To Avoid When Applying For A Mortgage

These Are The 4 Biggest Mistakes To Avoid When Applying For A Mortgage
Applying for a mortgage may seem like a tricky process, but it doesn't have to be. With a little guidance, anyone can get started on the path to becoming a homeowner. With that in mind, we've laid out some of the most common mortgage application mistakes that would-be buyers make, as well as how to fix them. Read them over so that you can avoid falling into these all-too-familiar traps. Not working on your credit first Having good credit is one of the

What to Look For in a Mortgage Planner

What to Look For in a Mortgage Planner
Finding the right mortgage planner is no different than hiring someone for a job. It is easy to think about the process more than the person, but choosing your mortgage planner is no different than hiring a lawyer or an accountant. This person will guide you through the largest financial transaction of your life, so don’t leave it to chance with an online stranger or being one of hundreds of applications stacked on a banker’s desk. It is important to as

Tips For Choosing A Senior Living Community

Tips For Choosing A Senior Living Community
According to the Merriam-Webster Dictionary, retirement is defined as the act of withdrawing, going away, retreating. Tips For Choosing A Senior Living Community When it comes to the modern definition of retirement – that glorious age where we can shed the 9 to 5 work responsibilities and live our lives to the fullest – some of those words in the traditional definition may apply. Many seniors and boomers, who have been gainfully employed their entire

Plan for Retirement Based on Lifestyle, Not Current Income

Plan for Retirement Based on Lifestyle, Not Current Income
There’s a rule of thumb that says you should budget a certain percentage of your income towards retirement. Many experts say you should set aside 10 to 15 percent of your income for your golden years. But there’s a competing theory that says that you should budget for retirement based on the lifestyle you plan to enjoy, not the income that you currently earn. To clarify this idea, let’s imagine four hypothetical couples. Adam and Alison: A Simpl...

How to Save for Your Retirement

How to Save for Your Retirement
Having a student loan payment each month as a college graduate leaves little room in the budget to contribute to a retirement savings account. College grads without student loans are much more likely to save for retirement. By the time they reach age 30, grads without student loans are predicted to have double the amount saved for retirement as individuals with student loans, according to a study by the Center for Retirement Research at Boston College.