What to Spend on Your New Home

April 20, 2017

 

Tired of renting?  Tired of the landlord?  Tired of the crazy neighbors doing who knows what and all kinds of hours?  Tired of nothing but white walls in your living space?  Tired of someone else parking in your parking space?  Tired of paying every month and getting nothing (except maybe part of your deposit) back when you move?  Perhaps it’s time to move out of your parents’ house…..

OK, so this probably isn’t your parents’ house anymore.  But it may still be time to move on.  Perhaps it’s time to look at buying your own home.  As our clients consider a home purchase, one of the most frightening issues they face is determining exactly how much they should spend on a home. Read the rest of this entry »


Drink, Save, Be Healthy

March 23, 2017

As I write this, I have to admit that things aren’t quite right in my world.  My attention is wandering.  My head feels like it is bouncing around like a balloon at the end of a string.  The letters on my computer screen might even be dancing just a little for me.  We can pick things up from our close friends and family like phrases, ticks, and habits.  I’m blaming this one on my wife.  My world is not right and it’s all HER fault! Read the rest of this entry »


It WAS A Great Deal…

March 17, 2017

You’ve gotta love the store credit  cards.  They are so easy to get.  You just fill out one little part of a tri-fold brochure, invest all of five minutes, and boom!  You have a credit card to use every visit you make.  But that’s not the best part.  The best part?  The discounts.

“Sign up today and get 20% off your purchase!”Happy woman shopping
“Sign up today and get 5% off purchases every time you come back!”
“Sign up today and receive EXCLUSIVE offers and discounts!”

I decided to write today based on a question I got from a participant in one of our classes.  They had signed up for the credit card to get the big discount.  But it was a one-time purchase and they don’t ever plan to go back to that store, let alone use the credit card.  So now what?  What do you do with the card?  Cancel it?  Keep it?  Now what? Read the rest of this entry »


Mortgage Paperwork – Why the Pain?!?

February 20, 2017

Pay stubs.  Tax returns.  Bank statements.  Lists of liabilities and assets.  Credit card statements. Loan documents.  Affidavits.  Investment statements.  Gift letters.  Purchase contract.  Property tax assessments.  Landlord/rental history.  Retirement account statements.  Driver’s license.  Social Security card.  And now that you have submitted all of that, you have to do it all again with updated copies.

As much work as it takes, it’s almost like mortgage lenders don’t really want to give you a loan.  I assure you, that’s not the case…… usually. Read the rest of this entry »


The Pain of Minimum Payments

January 12, 2017

 

How was Christmas?  Did you have a good holiday?  More importantly, did you make everyone else’s Christmas great?  Perhaps you did, but now you are left in the doldrums of January.  It’s rough.  All of the expenses of the holidays are now coming due as the credit card bills come in.  But, hey.  That’s the benefit of using a credit card, right?  You get time to pay that sucker off.

Uh, let’s talk about that plan. Read the rest of this entry »


Upping Your Giving Game

December 19, 2016

 

‘Tis the season, or so the saying goes.  But the season for what?  cash-in-walletDuh, it’s the season of consumerism….. I mean the season for giving.  It’s the time of year when we shop to give gifts to our family, friends, coworkers, teachers, coaches, neighbors, mail carriers, garbage haulers, pizza delivery guys, and anyone else we can possibly think of.  And while we are shopping, there are the other organizations that are asking us to give to them, whether it is for a special project or for one last push to make their annual budget.  After all, giving is a great way to get a tax break, right?  No cash?  That’s ok; they’ll take stock transfers, old vehicles, and even donated real estate if you’d rather.  Man, that’s a lot of giving that is expected of us this time of year.  Read the rest of this entry »


7 Checks to Make Your Home Ready for Winter

November 30, 2016

 

After a beautiful fall, I thinks it’s safe to say that winter might actually be here now, even if not officially.  While it was little more than a week ago that I was working outside in just a t-shirt, now my wife simply can’t get warm inside, under a blanket, with a hoodie on (she’s naturally cold, I’m not that cheap with the thermostat).  While I happen to enjoy most of winter, there are a few things that could really ruin it.  Conversely, there a few things that can make it a lot more bearable as well.

While winter is what we get to deal with for living here, there are a few ways that you can make sure your home is ready for winter.  Even if you rent rather than own your home, you can still take care of most of these items and discuss the rest with your landlord.  In short, do it now before you hit a crisis or it’s simply too cold to take care of. Read the rest of this entry »


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