If you have an FHA loan or put less than 20 percent down when you bought your home, you’re probably stuck with PMI, or Private Mortgage Insurance. PMI is paid monthly as part of your mortgage payment, but unlike your balance and interest, it doesn’t decline over time. You pay the same for mortgage insurance [...]
Until recently, coloring was deemed a mindless children's activity primarily designed to aid toddlers and elementary-age children in the development of fine motor skills. Throughout the last few years, however, employee self-care has become an increasingly relevant workplace concern. As a result, the practice of coloring has surged in popularity as a useful adult stress-relief tool.
While it may seem counterintuitive, even when you’ve done your best work for a client, you can’t always count on getting a referral. This is simply human nature. If you want something, you have to ask for it. But, even when you feel it is well deserved, asking for something can be difficult and awkward. When is the right time to ask? How should you ask?
Because Privacy and security are so often under attack, taking necessary precautions to protect your credit history and FICO score is critical to preventing fraudulent transactions and identity theft. By now you’ve had the opportunity to freeze your credit with each of the bureaus: Equifax, TransUnion and Experian. A freeze locks down your credit report, making it impossible for the credit agencies to sell your data and prevents potential hackers from opening accounts in your name without your permission.
Today’s homes are littered with “smart” devices. From self-adjusting thermostats and phone-controlled security systems to apps that let you monitor your energy consumption, tech has made homeownership easier than ever.
Naturally, you want to get the most money possible when selling your home. But pouring thousands of dollars into renovations and upgrades just to help your home stand out on the market can be a waste of time and cash, especially if you're busy shopping for a new home. As a seller, your best bet [...]
You might remember your parents teaching you about the need for a rainy day fund, but many of us haven't quite put it into practice just yet. Sure, the unemployment rate is lower than ever, and even wages are showing signs of growth, but unfortunately, consumer debt is once again on the rise. That means that saving often takes a back seat when it comes to financial planning.
It’s never too early to start your holiday shopping.
We live in a time of great temptation, with satisfaction just a click away. Still, nothing beats knowing you’re financially secure.
Lighting the exterior of your home can p