Money Saving Tips During Holiday Shopping

Posted by Richard on December 4, 2019

Avoid impulsive shopping during the holidays by making your plan and sticking to it. One method to avoid the madness, according to Real Simple, is to work out a complete gift plan, then set aside one day for shopping. Before the big day, shop sales for specific items and download any necessary retailer coupons and […]

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Can I Just Put My Name On A Home Loan And Take It Over?

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I would like to take over payments on my brother’s house. The interest rate is a little bit lower than I can get now. Plus, it would help him out. Can I just put my name on the loan? The short answer is no: No mortgage allows you to just put a new name on […]

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Retire On A Cruise Ship? Some People Do, But It’s Not For Everyone

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Here’s an idea that started in 2005 as an internet meme protesting the high cost of assisted living facilities: Retire at a hotel (or on a cruise ship) instead! At least two retirees have actually done it. In 2001, at age 86, Bea Muller, resided on Cunard’s Queen Elizabeth. Cunard also had a 14-year guest […]

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Little Shoppers Learn Realities Of Money

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Christmas shopping is here and your kids will want to be part of it. It’s a good time for a little value teaching. Help your child make out a list of of people and consider what gifts are within a budget you have set. For younger kids, try shopping in real stores with real cash. […]

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Deck The Halls?

Posted by Richard on November 6, 2019

Decorating won’t help appraisals but some things do. During the holidays, festive decorations can make your home look like a million bucks. But if you are planning to sell your home, decked halls probably won’t affect the appraisal much. There are some basic things you can do to make your appraisal accurate, if not higher. […]

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Plan Early For Inexpensive January Get-A-Ways

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The end of the year can leave many of us feeling drained, emotionally and financially. A vacation to recover from the holidays — is it even possible? Absolutely. Start planning now, and you may find that a January holiday is surprisingly affordable And to springboard your brainstorming, here are a smattering of ideas from Travel […]

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That Jingling You Hear May Not Be Bells

Posted by Richard on

For those caught up in the buying frenzy of the holidays, Christmas Eve could find them with a handful of change in their pockets and little else. Of course, every year you think you’ll avoid the rush by accumulating gifts throughout the year. That would be smart, but it doesn’t do much good in November […]

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You Need A Home Warranty

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I have a potential buyer for my house but the buyer wants some guarantees on the appliances. How can I give him peace of mind without exposing myself to all sorts of claims after the sale of the house? You need home warranty insurance. Considering what a home warranty plan costs, and the many things […]

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Joint Checking Accounts Right For Some, Not All

Posted by Richard on October 9, 2019

Joint checking accounts can be a prickly topic, but a bit of thought and planning can be enough to alleviate the misgivings (or convince you it’s not right for your situation). As a basic premise, joint accounts mean equal access to deposit, withdraw, and transfer money. There are legalities to be aware of regarding survivorship […]

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Tech Trends For 2020

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It has been a busy year in the tech world (isn’t it always?), from the latest gadgets to improved wireless speeds and expanded coverage. So what can we expect heading into 2020? Even more. Here are some trends to keep an eye on: * 5G. All of the major carriers are promising access to 5G […]

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