The search for a new home is difficult enough for the average person, but if you're helping a friend or relative who has a disability, there are even more things to be aware of. If you're not sure quite how to tackle the housing market, here are a few things to look out for so that you can be sure your friend is getting the home they'll need. Consider The Flooring Hardwood can be a great benefit when it comes to clean up, but it's also the type of surface that can make it a lot easier to slip and fall. While carpet can be a better option for this reason, hardwood is not necessarily a … [Read More...]
Last week's economic news included readings on consumer spending, core inflation new home sales and regularly scheduled readings on mortgage rates and new jobless claims. Consumer Spending Dips in November Commerce Department reports on consumer spending in November indicated that consumer spending was lower in November with 0.20 percent growth as compared to October's reading of 0.40 percent growth. November's reading for core inflation, which excludes volatile food and energy sectors, was flat as compared to expectations of 0.10 percent growth and October's reading of 0.10 percent growth. … [Read More...]
There are a variety of factors that are involved in getting your mortgage approved, but few things will have more of an impact than your FICO score and the credit history that goes along with it. Instead of leaving your score up to chance when submitting your application, here are a few ways that you can boost your financial wellbeing and leave your credit score better off than it was before. Put More On Your Card It's important to put purchases on your credit card that you can afford to pay off consistently, but many people are not aware that how much debt you owe can actually positively … [Read More...]
Windows can add a lot to the look of your home, and this means that dressing them up properly is an important key for aesthetic appeal. While draggy, neutral-colored curtains can be one of the less exciting aspects of decorating your home, here are a few ways you can adorn the most basic of home fixtures and turn your windows into something truly unique. A Reconstituted Valance A short curtain can be a nice, less fussy way to adorn your windows, but if you have a kitchen space in need of warming up, try a piece of wood or metal painted with a color or texture of your choice. Whether it's … [Read More...]
There's a lot of flexibility and personal freedom associated with self-employment that can be a great benefit to your lifestyle and your pocketbook. However, because of the somewhat unpredictable nature of self-employment, it can make acquiring a mortgage a little more difficult. If you've recently become self-employed or have been in the game for a while, here are some things you may want to consider before submitting your mortgage application. Putting More Money Down 20% is often considered the magic number when it comes to the down payment because this will allow you to avoid homeowner's … [Read More...]
Getting an offer on your home can certainly make it feel like the hard part is over, but even after the deal is sealed there's still a lot to do when it comes to moving out. Whether you're getting prepared for a future move or your buyer has just signed on the dotted line, here are the first steps to take once it's certain your property is off the market. Start The Packing For many people, packing is something they would rather put off until the last minute, but boxing up your stuff is actually a great opportunity for a little spring-cleaning at any time of the year. Instead of … [Read More...]
