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Blog Articles

  • Thursday, March 8, 2018

    September is the back-to-school month, and for many families with school-age children that means the return of the dreaded morning circus.  Instead of everyone getting up rested and with smiles, there are shouting matches, tears, frustration, and moms getting late to work.  Sometimes it seems that getting kids out of bed and out the door in an orderly manner must require an act of divine intervention.  In anticipation of this month, I interviewed several friends and past clients who have successfully reigned in the morning circus in their homes.  Here are their tips:

  • Thursday, March 8, 2018

    When you apply for almost any kind of loan, one of the facts that lenders will use to make a decision is your credit score, also known as a FICO score.  The lender obtains this three-digit number (it ranges from 300 to 850) from one of the three major credit bureaus (Trans Union, Equifax or Experian).  Calculated by a formula developed by a company called Fair, Isaac & Co. (hence the name FICO), this score represents to a lender your credit worthiness.  It not only influences whether your loan is approved, but it also influences your interest rate and other loan terms. The higher your credit score, the better loan terms you will get.  How do you obtain a good score?  Simply put, by paying your bills on time, using your credit sparingly, and watching for errors on your credit report.  Since nobody is perfect, our credit scores aren’t always perfect either.  But whether you already have a great score, or a not-so-great one, there are things you can do to make it better.

  • Wednesday, March 7, 2018

    Boy, are you lucky you are not the seller of that house.  You know the one—it’s been sitting on the market for so long that you forgot what it looks like without the For Sale sign in front of it.  They decreased the price several times, there are people stopping by to look at it, but the stubborn For Sale sign remains.  You feel bad watching the poor Realtor holding it open every Saturday to no avail. What gives?  Well, it could be:

     

  • Wednesday, March 7, 2018

    "Dinner?”

    “Sure, I guess.”

    “Where do you want to go?”

    “I don’t know.  Where do you want to go?”

    “I don’t know.”

  • Wednesday, March 7, 2018

    Whether you are planning on refinancing, selling, or just thinking about how to impress visiting family, you might be looking for ways to boost your home’s value.  Home improvements and renovations are popular ways to try to accomplish this, but many projects can be time consuming and expensive.  Here are five simple things you can do to bump up the value of your home that won’t break the bank.

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