If you’re thinking about buying a home (or regularly read our blog), you may have heard that interest rates are rising. Rising interest rates have powerful effects on the mortgage industry and individual homebuyers. While many of these effects are seen as negative (such as buyers having higher mortgage payments), there are also positive aspects […]
Your state’s cost of living matters, whether you want to build a home, are a first time homebuyer, or plan to raise a family. If a low cost of living is what you’re after, here are America’s five most affordable states in 2017. TennesseeThe Volunteer State is most known for its country music, Elvis, and […]
As we move into February, many of us are still following our new year’s resolutions and goals. One of best resolutions (or goal for any time period) is improving our finances. Open Mortgage provided some financial resolution tips and strategies in a recent blog post. Whether you want to maintain your financial resolutions or simply […]
A recent study estimates that as many as 33% of Americans have $0 saved away for retirement, and over half have “less than $10,000.” Fewer employers offer any form of retirement package, and given the financial demands of the modern household, it’s no wonder that so few workers are able to save for the future. […]
It’s the holiday season, and many of us are busy buying gifts for family and friends. But how much you spend on those gifts may have a negative impact on your credit score. If you’re planning on buying a home in 2017, it’s good financial strategy to hold off on buying expensive gifts. It’s also […]
Water is the foundation of life on earth, and the average household uses a lot! In fact, the Environmental Protection Agency (EPA) estimates that the average home of four uses 400 gallons of water per day (and spends $1,100 per year in water costs). With the ongoing drought in much of the United States, it’s […]
Thanksgiving has come and gone, and December is nearly here. As temperatures drop and snow begins falling in many US regions, home utility bills are about to rise. In fact, the U.S. Energy Information Administration is predicting a 22% increase in energy bills this winter. To lower this cost that none of us enjoy paying, […]
As we move through November, winter is almost on our doorstep. As a companion to our post on winterizing your home’s outdoors, here are tips for preparing your home’s indoors for winter. Change your smoke alarm batteries It’s important to change the batteries in your smoke alarms and carbon monoxide detectors at least once a […]
Home ownership can bring tremendous joy to you and your loved ones. But it also takes hard work (and money) to protect your home from harsh weather, sun damage, and general wear and tear. Here are some low-maintenance upgrades that reduce time fixing your home, and give you more time to enjoy it. Metal Roofs […]
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