Oct
18
October brings with it activities that are perfect children or the adult who is still a child a heart. One of the classic activities that is perfect for October is pumpkin carving! Here’s how to get the perfect pumpkin carving. Buy a pumpkin shortly before Halloween Halloween excitement can build...
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Oct
18
There’s no worse bathroom calamity than a leaking toilet. Luckily, fixing a toilet is easy and doesn’t require a visit from the handyman. Follow these six steps to get your toilet back to normal. Step One: Inspect the float and inlet valve Look inside the tank. If the water level...
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Oct
17
When selling a home, one of the most important steps to take is taking photos of your home. These photos are often the first thing a potential buyer sees. As such, these photos can make or break a deal! First impressions are often the only impressions in the home buying...
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Oct
17
Fall is the perfect time to add a new twist to your decorating. Here are some ways to make your home comfy and cozy for autumn. Fake Foliage Add the perfect autumnal touch by using silk fall leaves. Press them in picture frames or place them along bookshelves or a...
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Oct
17
Solar power is an easy way to not only become eco-friendlier, but to also possibly lower your energy bill. The Department of Energy says most homes with solar panels receive about 40% of their energy from solar power. Additionally, if you buy a solar panel system, you may be eligible...
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Oct
16
A variable income is any income that changes from week to week. As such, it may be difficult to decide how to spend the money you have when you are unsure about the amount you’ll get in the coming weeks. Here are some tips to help you manage a variable...
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Oct
16
Everyone knows the feeling. Once midday hits and you’re done with lunch, the grogginess sets in. Even if you feel like the day may never be over, you need to push through. Here are some tips and tricks to get you through that afternoon slump. Head outside Take a break...
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Oct
16
One offer on your dream home may not be enough. If a seller finds your offer undesirable, they may issue a counteroffer. What constitutes a counteroffer? If a seller doesn't find the buyer's purchase offer and terms agreeable, they can submit a counteroffer. Typically, a counteroffer states that a seller will accept...
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Oct
13
Many people get caught up in the scary movie craze that October and Halloween brings. However, there are plenty of movies for you to watch if you don’t like to be scared. Here’s a not-so-scary movie marathon to get you through the Halloween month. It’s the Great Pumpkin, Charlie Brown...
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Oct
13
Halloween is right around the corner and there’s nothing better than burrowing under a blanket and turning on a scary movie. Here are thirteen movie franchises to get your heart rate pumping. The Ring (3 movies) Be careful what you watch. The Ring is about a videotape filled with...
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Oct
13
When you have high interest debt on auto loan, credit cards or other loans, they could be difficult to pay off and may hinder your financial goals. U.S. households carry an average of $15,762 in credit card debt, and in 2015, they paid the debt with an average interest rate...
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Oct
12
A real estate contract can be between a buyer and seller, an agent and broker, or several other parties. In general, two entities must be present for a real estate contract to be legally binding. A contract must be signed by all parties involved and something must be exchanged. In...
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Oct
12
Cleaning gutters can be a dirty business, but it’s a necessary process. You should clean your gutters at least once a year – twice if you have overhanging trees. Additionally, make sure to clean out your gutters after big storms. When cleaning out your gutters, it is best to wear...
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Oct
12
When a close friend or family member is getting a mortgage, they may ask you to be a co-signer or co-borrower. Before agreeing, you should understand the financial risks that you are taking on by accepting this role. While co-borrowing and co-signing have the same basic premise, they have large...
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Oct
11
There are some things that your realtor can’t tell you. Voicing opinions about details of a neighborhood can violate the Fair Housing Act. The Fair Housing Act was enacted in 1968 to eliminate housing discrimination based on race, color, national origin, religion, sex, disability, or family status. It prohibits any...
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Oct
11
Are you ready to re-do your kitchen? Here are some things you should know to turn your drab kitchen fab. What to Consider: Size: The size of your kitchen will dictate the layout of your kitchen. Figure out what you want. Is there space for an island or an extra...
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Oct
11
If you are behind on mortgage payments, you may be thinking about how to catch up. One thing you may want to consider is to rent out a room or your house. If you decide to do this, you should tell your mortgage lender. The lender might charge you a...
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Oct
10
No matter if you’re earning three figures, have a variable income, or are living paycheck to paycheck, budgeting is important. Here’s how to start your budget. Decide to start budgeting As with anything, the first step that you must do is to decide to do it! Know how much you...
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Oct
10
Warm weather, beautiful beaches, and lively atmosphere attracts people from all around the world to Florida. Taking advantage of these exceptional features, celebrities are now making Florida their new home. Whether it's the vibrant city of Miami or laid-back vibe of the Florida Keys, celebrities are flocking to the Sunshine...
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Oct
10
Are you looking for a household update? One thing that can change the whole look of your home from the outside in is by installing new windows. Here are window types that can make your home look like new. Double-hung Windows Double hung windows have two sashes that slide vertically...
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Oct
09
Have you ever wondered what exactly made a half-bath half? Did you know there was such a thing as a three-quarter bath? These are common questions among home sellers when trying to determine how to list and price their home. Here’s your bathroom size breakdown. Full: A full bath is...
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Oct
09
Fall is approaching, which means leaves are changing and our attention to our lawn wanes. However, fall is still an important time to keep maintaining your lawn. Here are some ways to make sure that your lawn remains happy and healthy throughout the fall season. Keep Mowing Continue to water...
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Oct
09
A home viewing is essential to the buying process. It is during this time that you get to truly see whether you can see yourself making a life there. Before you get too at home, here are some Do’s and Don’ts for your home viewing experience. Do’s: Schedule your appointment...
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Oct
06
We use water for everything, which means we also overuse water. Here are some water-saving tips to help keep your usage down. For Any Room with Plumbing Fix any leaky faucets Consider replacing any old equipment, like toilets, dishwashers, and laundry machines In the Bathroom Take short showers instead of...
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Oct
06
Looking for a good scare in Florida? Here are five hair rising horrors to get you in the Halloween spirit. A Petrified Forest – Altamonte Springs, FL A Petrified Forest boasts 85,000 square feet of horror. Located in the middle of the forest, this attraction is filled with creatures waiting...
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Oct
06
Though Connecticut may be small, there is no shortage of good scares. Here are five haunted hotspots for a Halloween adventure. Fright Haven – Stratford, CT Connecticut’s largest indoor haunted attraction is Fright Haven. It covers almost 20,000 square feet! This haunt is the perfect old-school experience. Walk through the...
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Oct
06
Debt-to-income ratio (DTI) is a personal finance measure that compares your debt payment to you overall income. DTI is a way that lenders can measure your ability to manage your monthly payments and pay off debt. It is calculated by dividing your monthly recurring debt by your gross monthly income,...
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Oct
05
When you start thinking about buying a home, you may have a lot of questions. Instead of searching the internet for every small question, you could take an extremely helpful course online with Framework. Some lenders actually require you to take these courses so you will know how to apply...
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Oct
05
A closing agent is an impartial third party that deals with the final details of a mortgage transaction. As such, choosing a good closing agent is very important. Here is how to ensure that you choose the best closing agent. Do your research In addition to asking your agent or...
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Oct
04
Tax credits and tax deductions can help to reduce your overall income tax liability. The basic difference between a credit and a deduction is that a credit is a dollar for dollar reduction whereas a deduction lowers your taxable income by using a percentage. Tax Credit Tax credits help to...
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Oct
04
Here is your guide to the spookiest haunts in Colorado. The 13th Floor Haunted House – Denver, CO The 13th Floor Haunted House has two different attractions, Undead: Abominations and Cursed: The Ritual. Explore subterranean labs in Undead: Abomination. Corpses and other mutations are now terrorizing the dark passageways and...
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Oct
04
Credit scores can range from 300 to 850. The Fair Isaac Corporation set up the first credit scoring system based on credit bureau information, now commonly known as a FICO score. FICO scores are the most commonly used scores. However, there are several other versions and providers of credit scores,...
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Oct
03
Water damage is an issue that no one wants to deal with as a homeowner. Unfortunately, this is a situation that might become a reality to you. If it does, here are some ways to fix the damage once you spot it. Move air naturally If the humidity isn’t too...
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Oct
03
Here’s your guide to Halloween haunts in New York. Rolling Hill Asylum – East Bethany, NY Established in 1827, Rolling Hills Asylum became home to many societal castoffs. The Asylum itself holds over 1,700 documented deaths and hundreds that were left undocumented. In fact, the Asylum has been named the...
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Oct
03
The Community Reinvestment Act is a 1977 U.S. law passed to address a discrepancy between how often low to moderate income earners should receive financing from lenders and how often they actually receive financing from lenders. What Does it Do? The Community Reinvestment Act requires that financial institutions turn over detailed...
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Oct
02
The month is coming to an end and we all know what that means-- another electric bill. Paying the electric bill is one of the most common fears among homeowners. But fear not! There are plenty of ways you can save money on your electric bill! Don't Use As Much...
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Oct
02
Here’s your guide to Pennsylvania haunts for this Halloween season. Terror Behind the Walls – Philadelphia, PA Terror Behind the Walls takes place at an actual abandoned penitentiary, Eastern State Penitentiary. Featured on shows such as Ghost Hunters and Ghost Adventures, the prison is scary enough on its own. When...
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Oct
02
First-Time Home Buyer Programs Most first-time home buyers find it overwhelming to choose a satisfying mortgage program. Although many first-time buyers have little money for a down payment and insufficient credit history, these shouldn’t stop them from looking into what mortgage programs are most available to them. The following are...
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Sep
28
So you’ve made this decision to move. You’ve picked the house and now all that’s left is to pack the boxes and find the perfect moving company. Here’s how to ensure you pick the perfect company for you. Get recommendations. Ask your family, friends, co-workers about who they have worked...
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Sep
28
What is PMI? Private Mortgage Insurance (PMI) is an insurance policy that protects lenders against loss if borrowers stop paying the home loan. Most lenders require PMI when you make a down payment of less than 20% of the home’s purchase price. PMI is usually arranged by the lender and...
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Sep
27
Mortgage overlays are company specific rules that a lender must follow. These are on top of the published guidelines for lending money in the form of a mortgage. Each lender has their own overlays that are applied to mortgage loans together with the rules put in place by: Fannie Mae...
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Sep
27
Florida is known for many things: great beaches, warm weather, Disney World, and so much more! Wine might not be one of them, it should be. Florida wine is a little different than most of your typical, generic wines. This is partially because Florida wineries use muscadine grapes instead of...
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Sep
27
When first buying a home, there are many factors you have to include that you may not be aware of. These can make buying a home very difficult. While you may just want to zoom through the process and sign all the papers, it won't help your financial well-being. Here...
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Sep
26
If you become unemployed, you may not be able to afford your mortgage. One of the first things you should do is to notify the lender and ask for help. This can be assistance such as lowering your interest rate or a reprieve from making your payments for several months....
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Sep
26
After coming home from a long day of work, there's nothing like taking a hot shower or bath to relax. But, there's one problem, no hot water. Of course, no one expects their water heater to fail, but the unfortunate truth is that it eventually will. Your water heater is...
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