Do you need to put down 20 percent to buy a house? Not necessarily. In fact, most buyers make lower down payments. But putting down 20 percent or more does come with major perks. A mortgage lender would consider you more financially stable and less risky. That means you wouldnt need to pay for private […]
If you’ve just graduated from college, this is the perfect time to establish smart financial habits. With hopefully a full-time job awaiting, this is the time to establish habits you’ll continue throughout your life. Where to start? It’s likely you’ve racked up some student loan debt. The good news is that federal student loans come […]
Looking to boost your daily productivity? Start by taking a look at your morning habits. Incorporating just a few of these into your get-up-and-go routine may help. Say no to snooze. Hitting the snooze button is tempting, but starting your day by procrastinating your wake-up will not set you up for productivity! Set your phone […]
Many homebuyers choose to a purchase a house on a cul-de-sac just to avoid a busy street. However, there are pros and cons you should be aware of up front. Traffic Since there’s only one way in and out, a cul-de-sac has less traffic than a typical street. Parking Depending on the size and layout […]
If you’re burdened by debt, the stress of having bills you can’t pay and receiving calls from creditors can be overwhelming. You might even be considering declaring bankruptcy. Before you take such a drastic step that could significantly lower your credit score and limit your future financial options, look for other solutions. Earn More MoneyIf […]
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If you have or plan to have children, you want them to have a bright future and to be successful and financially secure. That may mean that you hope (or expect) that they will obtain a college degree. With tuition and other costs steadily climbing every year, many parents worry that they won’t be able […]
Owning a historic home provides old-world charm, but it can also pose challenges. Historic homes often need more maintenance, and outdated technology, such as heating units, could mean higher bills. If decorative fixtures need repair or replacement, the materials may be costly or no longer available. Painting the exterior and other renovations could require approval […]
Children are often victims of identity theft for two reasons: They have a clean identity that probably hasn’t been used much and can be exploited in many ways, and there’s often a large gap between the theft and when it’s discovered. Fraudsters will usually wait years before applying for a mortgage or credit card with […]
Making eco-friendly changes in the way we live may be easier than you think. Real Simple Magazine lists 10 little tips that can go a long way toward living a “greener” lifestyle: Start with household cleaners. Switch to plant-based products (read the list of ingredients) that reduce air pollution, minimizing exposure to asthma and allergy […]
