4 Signs You Are Ready To Sell

Posted by Richard on June 7, 2018

It’s undeniably a great time to sell a house. Buyers are out and they want more choices in homes for sale. Sale prices are generally high. The economy is good and people have money in their pockets. But are you ready to part with your home? 1. Equity is the key question. You need to […]

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Parent PLUS Loans Can Be A Dangerous Way To Pay For College

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Parents are increasingly turning to expensive Parent PLUS loans to bridge the gap between the cost of their children attending college and the amount of money they qualify for on their own through financial aid and loans, according to U.S. News. These loans, which have doubled in number compared with two decades ago, are structured […]

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The Rising Number of Elder Orphans: Ideas for Living

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Elder orphans — aging people with no spouse or children — are a rising population in the world. Currently 19 percent of women ages 40 to 45 have no children. About 15 million people in the U.S. live alone, including 27 percent of the 65-plus population, according to USNews. What happens to elders who can […]

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How To Act Generously On A Budget

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Acts of generosity towards friends and family can be draining on the wallet, but there are a few strategies to help mitigate those costs, according to U.S. News. For these ideas to work, however, it is essential that you already have a reasonable budget in place that allows you to know exactly how much money […]

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Memorial Day Salutes Remain

Posted by Richard on May 8, 2018

The parades, which once reigned across America on Memorial Day, are slowly slipping away, except in those small towns that still remember and honor those who fought and died in war. But salutes to the honored dead of the present and past still exist. Since the late 1950s, on the Thursday before Memorial Day, 1,200 […]

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Home Renovations that Offer the Best Resale Value

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Homeowners can use renovations to improve their quality of living, but not all improvements will provide the same return on investment at sale, according to USA Today. Often, the best returns will come from bringing a substandard home in line with other homes in the area rather than making further improvements to ones that are […]

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The Dollars and Sense of Long-Term Care Insurance

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The majority of people — about 63 percent — will spend nothing on long-term care, according to data by the Department of Health and Human Services. Still, for the remainder, long-term care can be an expense that eats up savings. HHS estimates that 48 percent of people who need long-term care will need it for […]

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What Expenses to Expect When You Sell Your House

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Selling a house has hidden costs, but planning ahead can eliminate last minute worries. According to a new study by real estate research firm Zillow and Thumbtack, an online site matching local professionals to customers, the average cost of covering basic projects – painting, staging your home, carpet cleaning, lawn care and gardening, and local […]

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Debt and Retirement Equals a Serious Problem

Posted by Richard on April 10, 2018

Debt is more acceptable these days, but it is becoming a drag on retirement, especially when the unexpected happens. According to new research by Employee Benefit Research, more households headed by someone 75 or older are in debt. The number for whom debt is excessive — more than 40 percent of income — has increased […]

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Finding and Eliminating Money Sinks

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Budgets often fail because of costs that aren’t accounted for, called money sinks, that derail the budgeting process, according to The Simple Dollar. Creating a line item in the budget for something like rent or utility bills is straightforward as the amounts are stable from month to month, but it is much more challenging to […]

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